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

Walmart has made its mark as . With 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 program and replaced it with buy now, pay later services as an alternative payment option. 

According to , 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 on to learn more about how to utilize Walmart’s purchase now, pay later service, the firms it partners with, and what you may get on an installment plan.

Does Walmart Accept Afterpay?

No, Walmart no longer accepts 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.) 

Customers can pay in 4-6 weeks with Klarna, PayPal Pay in 4, or Zip, while consumers can pay in three 24 month installments with Affirm.

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, frames and lenses for spectacles, and hair products for purchase in-store.

Check out what’s covered under CareCredit . 

What Buy Now, Pay Later Does Walmart Accept?

As buy now, pay later payment services, Walmart accepts Klarna, Zip, PayPal Pay in 4, and Affirm. Walmart has chosen to end their layaway program. Several major shops are adopting the new alternate installment plan options, which are gaining traction.

Customers can buy something now and pay it off later with Walmart’s buy now, pay later service, which allows them to pay for it over three, six, twelve, eighteen, or twenty-four months, depending on the purchase price.

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

You can buy almost anything in the store or online with Walmart’s buy now, pay later program.

The following are just a few examples of what you can buy now and pay later at Walmart:

See our guide on Walmart has an air mattress that needs to be returned.

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

Some items at Walmart are not eligible for installment financing. Here’s a list of items and services that aren’t eligible for Walmart’s buy now, pay later program:

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

See our guide on the Return to Walmart’s open and closure times.

How Does Buy Now, Pay Later Work at Walmart?

Affirm allows Walmart customers to spread payments out over up to 24 months at variable interest rates. When checking out on Walmart.com, select Affirm as your payment method and apply for an installment loan.

For in-store Walmart purchases, you must first apply at Affirm.com, choose a payment plan, then scan the provided barcode at the register. Then, according to your payment plan, you’ll make online payments to Affirm.

For customers who need to pay in 4 to 6 weeks, Walmart accepts Zip pay (formerly QuadPay), Klarna, and PayPal Pay in 4. Customers can also use Walmart’s buy now, pay later options both online and in-store.

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

You can use Affirm to get an installment loan on things you buy at Walmart. You can pay for eligible products at Walmart online or in-store once your loan has been approved and loaded onto your virtual card.

Affirm also provides three- to 24-month payment options with interest rates ranging from 0% to 30% APR. To utilize your approved Affirm funds for in-store purchases, scan a single-use barcode at the register.

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

You can start shopping at Walmart using Affirm by applying .

What Credit Score do you Need for Affirm at Walmart?

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

Paying all current debt on time and having no more than six loan inquiries at any given time is the easiest method to get approved for Affirm.

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 the use of a debit card, Your checking account will be debited directly., 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 Debit card and credit card, or an ACH (Automated Clearing House) 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 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 there is no requirement for a 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.

To use Klarna at Walmart.com and in-store, follow these steps:

Shop Walmart Online with Klarna

  1. Download Klarna App: Install the app for Android and Apple devices.
  2. Walmart may be found by searching for it on the Klarna app.
  3. Online shopping: Place your Walmart purchases in the shopping basket.
  4. Pay: At checkout, go to the bottom of the app and tap the Pay with K button.
  5. Make Payments: To pay off your Walmart purchase, make four interest-free Klarna payments every two weeks.

Shop Walmart Store with Klarna

  1. Download Klarna App: Install the app for Android and Apple devices.
  2. Walmart may be found by searching for it on the Klarna app.
  3. One-Time Card: Create a one-time Klarna credit card to use at Walmart. Since Apple Pay isn’t accepted at Walmart. 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: To pay off your Walmart purchase, make four interest-free Klarna payments every two weeks.

The approach is even simpler than Walmart’s now-defunct layaway program.

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

Walmart accepts , 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.

To use Zip pay at Walmart.com and in-store, follow these steps:

Shop Walmart Online with Zip

  1. Zip App Download: The Zip app is available for Android and iOS devices.
  2. Walmart may be found by searching for it in the Zip app.
  3. Online shopping: Place your Walmart purchases in the shopping basket.
  4. Pay: At checkout, go to the bottom of the app and tap the Pay with Zip button.
  5. Finish Payment: To complete the transaction, double-check that the payment matches the order.
  6. Make Payments: To pay off your Walmart purchase, make four interest-free Zip payments over the course of six weeks.

Shop Walmart Store with Zip

  1. Zip App Download: The Zip app is available for Android and iOS devices.
  2. Payment Plan: Decide where you want to pay and how much you want to spend in-store.
  3. Examine and approve your payment plan for the next 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. To pay for your Walmart purchase using the Zip pay credit card, simply hold your phone up to the contactless payment reader at the register or self-checkout.
  6. Make Payments: To pay off your Walmart purchase, make four interest-free Zip payments over the course of six weeks.

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

The 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.

To use PayPal Pay 4 at Walmart.com and in-store, follow these steps:

  1. Shop Online: Shop at and add your purchases to the cart
  2. Choose PayPal during the checkout process. Next select Pay Later, then Pay in 4.
  3. The buy now, pay later service will make a decision in a matter of seconds.
  4. If you are authorized, you will make the first of four payments to complete the transaction.
  5. Make Payments: To pay off your Walmart purchase, make three more interest-free PayPal payments every two weeks.

After the initial payment, you will make three easy payments every 15 days until the amount is automatically refunded.

Does Walmart Do Layaway?

No, Walmart stopped offering a layaway program starting in the fall of 2021. However, Walmart’s layaway 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 now accepts Venmo in-store and online.

Walmart Accept Afterpay and Buy Now, Pay Later Services Summary

Afterpay is no longer accepted by Walmart. PayPal Pay in 4, Klarna, QuadPay, and Affirm at Walmart are some of the alternatives to Afterpay.

Around 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 purchase a laptop that is compatible with the Cricut Maker, toiletries, Camping projectors are mini projectors that may be taken with you., car battery, clothes, TV sets, holiday gifts, disposable film camera, and more with a buy now, pay later company.

See our guide on the Walmart has a maximum Netspend withdrawal limit.

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