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Walmart Christmas Layaway

It's ba-ack! This year, Walmart decided to start it's Christmas layaway program a little earlier. Believe it or not, they rolled out layaway on September 13th! But there are some considerable differences from years past:

There is no opening fee to open your layaway account.
It is backed by Ad Match.

The not-so-good:

You must put a down payment of 10% or $10 (whichever is greater).
Total purchase must be $50 or more.
There is a $10 cancellation fee.
Layaway not available on November 29 (Black Friday)
All items must be $15 or more.

Have you used Walmart layaway before? Will you use it this year?

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