I havr used Kmart Layaway for about 5 years now. I love that I don't have to hide anything. I time my purchases to pick up right before Christmas. I am not the biggest fan of my local Kmart though. It is very cluttered, messy and dirty. I avoid going except around the holidays and birthdays because they have great sales.
Walmart Layaway is sooooo restrictive. I have officially given up shopping at Walmart. Not because of layaway, but their overall business practices make me sick.