I get layaway if you don't have a credit card. But isn't the fee about the same as CC interest? You get about a month grace period on your CC. So if you pay $5 to reserve $300 of stuff then you just paid the equivalent of 20% APR for a month of storage. Then you have to deal with
Walmart (I hate Walmart) to make payments. And that is just assuming you get someone in the store that knows what is going on.
About the only thing I use Walmart for now is site to store a couple of times a year. Like I ordered DD's Willa Fijit because I wanted one that hadn't been on the shelf poked 1000 times. On the way to STS I picked up two lite spirte sets. DD's Christmas = done!