Layaway ends the week before Black Friday. The Final Day to make a new layaway is Nove 19th and the Final Day to pick up ALL Layaways is Dec. 8th. Yes you have to buy them out right or put them on the CC. I know they are going to offer a 90 day same as cash sort of deal and $20 cash back if you put $100 or over on the Wal-mart CC. But not sure exactly when they will be offering it.