Retailers are turning to layaway to increase sales for the upcoming holiday season.
Stores such as Toys 'R' Us, Sears, and KMart are offering lower fees to entice shoppers to use the service.
Layaway gives retailers the chance to sell items at full price to customers who don't have the necessary money on hand.
Critics of layaway argue it is costly for consumers, who are better served setting aside money in a savings account until they have enough for the purchase.
