Does Walmart Accept Afterpay and Buy Now, Pay Later Services? Affirm?

Walmart has made its mark as the largest retailer in the world. With nearly 4,800 stores in the United States alone, Walmart sells a wide range of affordable products, including groceries, clothing, electronics, and home goods. Its advantage is that it typically prices items lower than most retailers.

The decision to shift alternative payment methods at Walmart has impacted its millions of customers. For example, before the 2021 holiday season, Walmart removed its layaway program and replaced it with buy now, pay later services as an alternative payment option. 

According to a recent study, 60 percent of the 2,005 customers surveyed used buy now, pay later options, making it quite popular. So it makes sense for Walmart and major retailers like Amazon and Target to offer installment plans.

Read more to understand how to use buy now, pay later at Walmart, the companies it works with, and what you can buy with an installment plan.

Does Walmart Accept Afterpay?

No, Walmart no longer accepts Afterpay as of 2021. However, Walmart instead offers various Buy now, pay later payment options, including Affirm, PayPal Pay in 4, Klarna, and Zip (formerly QuadPay.) 

Walmart uses Klarna, PayPal Pay in 4, and Zip to pay in 4-6 weeks, while customers can use Affirm to pay in 3 – 24 month installments.

In addition, a buy now pay later healthcare option available is CareCredit for your wellness and personal needs. CareCredit offers special financing for prescription medications, pet medications, over-the-counter, vitamins, baby formula, body care, baby books, diapers, optical frames and lenses, and hair products for purchase in-store.

Check out what’s covered under CareCredit here. 

What Buy Now, Pay Later Does Walmart Accept?

Walmart accepts Klarna, Zip, PayPal Pay in 4, and Affirm as buy now, pay later payment services. Walmart decided to discontinue its layaway program. The new alternative installment plan programs are gaining traction and being adopted by other major retailers.

The Walmart buy now, pay later program lets customers buy stuff immediately and pay it off over 3, 6, 12, 18, or 24 months, depending on the purchase amount.  

What Things Can I Buy at Walmart with Buy Now, Pay Later?

The Walmart buy now, pay later program lets you buy most things in the store and online.

The following is only a sample of the various items you can purchase now and pay later at Walmart:

• Home Improvement: Tool and equipment, water filtration, building materials for excavating contractors
• Electronics: TVs, computers, camera, heavy-gauge extension cords, audio, good car door speakers, speaker cables, ink cartridge refills, cell phones, portable FM radio for drive-in movie
• Video Games: Nintendo Switch, PS4, Xbox, Amazon Fire Stick
• Arts and Crafts: Crafting, stickers, sewing, DIY
• Home: Steam mop, air fryer, Roomba, bedding,
• Jewelry: Earrings, moissanite engagement rings, watches, costume jewelry
• Tools: Drill, screwdriver, gas-powered or electric tools
• Apparel: All adult, kids, and baby clothing
• Toys: Dolls, hobby toys, bikes, Disney toys, puzzles, stuffed animals
• Baby Items: Car seat, baby clothes, toys
• Musical Instruments: Pianos, guitar, speakers
• Sports and Outdoors: Curved treadmill for sprinting, backpacks, kayaks for under $200, tent, shoe-mounted pedometer
• Auto: 12v winch batteries, auto electronics, motorcycle oil, replace used tires

See our guide on returning an air mattress to Walmart.

What Things Can You Not Buy at Walmart with Buy Now, Pay Later?

Walmart has some things you cannot finance with installment payments. Here’s a list of ineligible products and services that don’t qualify for the Walmart buy now, pay later program:

• Groceries and Food
• Baby Consumables
• Personal Care
• Pharmacy, Health, and Wellness
• Pet Supplies
• Wireless Services Plans
• 1-hour Photo
• Alcohol
• Gasoline and kerosene
• Merchandise at the Register
• Miscellaneous Supplies like stamps and duplicate keys
• Money Services
• Temporary Specialty Items
• Auto Services: Wheel alignment
• Tobacco
• Rental Services: Carpet cleaner rentals
• Weapons, Ammunition, Air Guns, Gun Accessories, and Hunting Supplies

For more information, contact your nearest Walmart store, or you see the updated list of eligible and ineligible products to finance here.

See our guide on the Walmart return open and close time hours.

How Does Buy Now, Pay Later Work at Walmart?

Affirm lets Walmart customers spread financial payments up to 24 months with varying interest rates. Choose Affirm as your payment method and apply for an installment loan when checking out at Walmart.com.

You must first apply at Affirm.com, select a payment plan, and scan the given barcode at the register for in-store Walmart purchases. Then you’ll make online payments to Affirm based on your payment plan.

Walmart accepts Zip pay (formerly QuadPay), Klarna, and PayPal Pay in 4 as other payment options for customers ranging from 4 to 6 weeks. In addition, buy now, pay later services are available to customers online and in-store at Walmart.

How to Use Affirm at Walmart In-Store and Online?

Affirm allows you to apply for an installment loan on stuff you buy at Walmart. ​​As soon as the loan has been approved and loaded to your virtual card, you can pay for eligible products at Walmart online or in-store.

Furthermore, Affirm offers payment plans for three to 24 months with interest rates ranging from 0% to 30% APR. For in-store purchases, you’ll scan a single-use barcode at the register to use your approved Affirm funds.

You’ll repay Affirm for your Walmart purchases. You can make a payment either via the Affirm app or website. Affirm accepts debit cards, ACH transfer with a checking account, or mail a check.

You can start shopping at Walmart using Affirm by applying here.

What Credit Score do you Need for Affirm at Walmart?

It helps to have a credit score of 640 or higher to apply for an Affirm loan. However, the Affirm credit score for approval does accept some scores as low as 600.

The best way to get approved for Affirm is to pay all current debt on time and have no more than six loan inquiries at any given time. 

How do you Pay Interest at Walmart for Affirm?

Users pay interest payments to Affirm for purchases made at Walmart. The payments are made using the Affirm app, website, or mail in a personal check. Your Affirm installment payments can be paid using a debit card, direct deposit from your checking account, or a personal check. 

The installment payment rates range from 10-30% APR based on your credit score and assessment, which determines eligibility. In addition, Affirm may require a down payment to be paid using a credit card, debit card, or an ACH from a bank account.

You don’t have to pay interest for Affirm alternatives at Walmart, including Zip, Klarna, and PayPal Pay 4. However, remember that you pay interest if you choose Affirm as your layaway alternative. 

How to Use Klarna at Walmart In-Store and Online?

Walmart accepts Klarna as a layaway alternative because it splits the cost of your purchase into four interest-free payments due every two weeks. In addition, the Affirm alternative requires no credit check. Its benefits include no annual or membership fees, several repayment options, and Klarna can be used at any retailer accepting debit or credit cards in the US.

Follow these steps to use Klarna at Walmart.com and in-store:

Shop Walmart Online with Klarna

1. Download Klarna App: Install the Klarna app for Android and Apple devices.
2. Search Walmart: Search for Walmart in the Klarna app.
3. Shop Online: Add your Walmart items for purchase in the cart
4. Pay: At checkout, click the “Pay with K” button at the bottom of the app
5. Make Payments: Make four interest-free Klarna payments every two weeks to pay off your Walmart purchase.

Shop Walmart Store with Klarna

1. Download Klarna App: Install the Klarna app for Android and Apple devices.
2. Search Walmart: Search for Walmart in the Klarna app.
3. One-Time Card: Create a one-time Klarna credit card to use at Walmart. Since Walmart doesn’t take Apple Pay or Google Pay, you’ll want to add the credit card to your Walmart app. Also, the one-time Klarna credit card expires in 24 hours, so don’t apply too soon.
4. Make Payments: Make four interest-free Klarna payments every two weeks to pay off your Walmart purchase.

The process is even easier than the discontinued Walmart layaway program.

How to Use Zip Pay at Walmart In-Store and Online?

Walmart accepts Zip pay, formerly QuadPay, as part of its buy now, pay later program. Zip is a Walmart layaway alternative that requires no credit check. Instead, shoppers only pay 25% upfront, then pay the rest in four installment payments over six weeks. It’s accepted anywhere a retailer takes Visa.

Follow these steps to use Zip pay at Walmart.com and in-store:

Shop Walmart Online with Zip

1. Download Zip App: Install the Zip app for Android and Apple devices.
2. Search Walmart: Search for Walmart in the Zip app.
3. Shop Online: Add your Walmart items for purchase in the cart
4. Pay: At checkout, click the “Pay with Zip” button at the bottom of the app
5. Complete Payment: Confirm the payment matches the order to complete the transaction.
6. Make Payments: Make four interest-free Zip payments over six weeks to pay off your Walmart purchase.

Shop Walmart Store with Zip

1. Download Zip App: Install the Zip app for Android and Apple devices.
2. Payment Plan: Select in-store and how much you want to spend.
3. Review: Review and approve your payment plan over six weeks.
4. Create In-Store Card: The app will create a Zip credit card number with a CVC code. Then, you can upload the credit card to your Apple Wallet or Google Pay for quick access.
5. Contactless Payment: Hold your phone up to the contactless payment reader at the register or self-checkout to pay for your Walmart purchase with the Zip pay credit card.
6. Make Payments: Make four interest-free Zip payments over six weeks to pay off your Walmart purchase.

How to Use PayPal Pay 4 at Walmart In-Store and Online?

The PayPal Pay in 4 lets you make installment payments from your PayPal account when shopping at Walmart and millions of online retailers. Like Zip and Klarna, there is no credit check and no impact on your credit score. In addition, the buy now, pay later service lets you split your payment into four installments with no late fees.

Follow these steps to use PayPal Pay 4 at Walmart.com and in-store:

1. Shop Online: Shop at Walmart.com and add your purchases to the cart
2. Select PayPal: At the checkout, choose PayPal. Then click “Pay Later” followed by “Pay in 4.”
3. Decision: The buy now, pay later service will decide within seconds.
4. First Payment: If you’re approved, you’ll make your first of four payments to complete the purchase.
5. Make Payments: Make three more interest-free PayPal payments every two weeks to pay off your Walmart purchase.

You will pay three easy installments after the initial payment every 15 days until the balance is automatically repaid.

Does Walmart Do Layaway?

No, Walmart stopped offering a layaway program starting in the fall of 2021. However, Walmart’s layaway alternative is to team up with buy now and pay later services. Instead of layaway, customers can use Klarna, PayPal Pay in 4, QuadPay, or Affirm for flexible and affordable payments at Walmart.

See our guide on Walmart taking Venmo online and in-store.

Walmart Accept Afterpay and Buy Now, Pay Later Services Summary

Walmart no longer takes Afterpay. However, it offers alternatives to Afterpay, including PayPal Pay in 4, Klarna, QuadPay, and Affirm at Walmart.

Around 140 million people shop at Walmart online or in-person every week. The Walmart layaway alternatives make it more affordable to buy small and large purchases. For example, shoppers can buy a Cricut Maker compatible laptop, toiletries, small projectors for camping, car battery, clothes, TV sets, holiday gifts, disposable film camera, and more with a buy now, pay later company.

See our guide on the maximum Netspend withdrawal limit at Walmart.