If you default on your in-store layaway, the consequences depend on the retailer. You may: - Not receive any money back that you paid towards your purchase - Have to pay cancellation or restocking fees - Not receive your item - Not be allowed to use that layaway program again However, if you default on online layaway through a BNPL program, the consequences are worse. You may: - Likely owe interest on your layaway - Harm your credit score - Not receive your item - Incur added fees