Walmart has made its mark as the largest retailer in the world. Walmart has nearly 4800 stores across the United States. They sell a wide variety of affordable products including groceries, clothes, electronics and home goods. Its advantage is that it typically prices items lower than most retailers.
Walmart’s decision to change alternative payment methods has had a significant impact on its customers, who number in the millions. Walmart’s layaway program was removed before the 2021 holiday season and replaced with buy now, reload later services as an alternate payment option.
A recent survey found that 60% of 2,005 customers used buy now, and pay later options. This makes it very popular. It’s logical for Walmart and major retailers such Amazon and Target to offer installment plan options.
Continue reading to learn more about Walmart’s Buy Now, Pay Later program. Also, read about the other companies that Walmart works with and what you can do with an installment agreement.
Does Walmart Accept Afterpay?
Afterpay is no longer accepted by Walmart as of 2021. Walmart offers alternative payment options that allow you to pay later, such as Affirm or PayPal Pay in 4 Klarna, Zip, 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.
CareCredit, which is a buy now-pay later healthcare option, is also available for personal wellness and health needs. CareCredit provides special financing for prescription drugs, pet medication, over-the counter, vitamins, body care, diapers, eyeglasses, lenses, hair products, and baby books.
CareCredit has everything you need.
What Buy Now, Pay Later Does Walmart Accept?
Klarna and Zip are now accepted at Walmart. Walmart ended its layaway program. The new alternative installment plan programs are gaining traction and being adopted by other major retailers.
Walmart’s buy-now, pay-later program lets customers purchase items right away and pay for them over 3, 6, 12, 18, 18 or 24 monthly, depending on their purchase amount.
What Products Can I Purchase at Walmart with Buy Now and Pay Later?
Walmart’s buy now, pay it later program allows you to buy almost all items in-store and online.
Here are just a few of the many items that you can buy now at Walmart and pay later.
- Home Improvement: Tool and equipment, water filtration, building materials for excavating contractors
- Electronics – TVs and computers, cameras, extension cords of heavy gauge, audio, quality car doors 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 and screwdriver, electric or gas-powered tools
- Apparel All adult, children, 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 battery, motor electronics, oil, replacement of used tires
See our guide on returning an air mattress to Walmart.
Walmart: What Can You Not Get at Walmart?
Walmart will not finance your installment payments on certain items. Here is a list containing ineligible products or services that do not qualify for the Walmart buy Now, Pay Later program.
- Groceries and Food
- Baby Consumables
- Personal Care
- Pharmacy, Health, and Wellness
- Pet Supplies
- Plans for Wireless Services
- 1-hour photo
- Alcohol
- Gasoline or kerosene
- Register merchandise
- Diverse Supplies: 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.
Check out our guide to the Walmart return hours and open times.
Walmart, How Does “Buy Now, Pay Later” Work?
Affirm lets Walmart customers spread financial payments up to 24 months with varying interest rates. Select Affirm for your payment method, and you can apply for an installment Loan at Walmart.com.
Affirm.com will first require you to apply. After selecting a payment plan, you’ll need to scan the barcode provided at the register to make Walmart purchases in-store. Affirm will then allow you to make online payments.
Walmart accepts Zip Pay, Klarna, QuadPay and PayPal Payin 4 as payment options. Payment times range from 4 to six weeks. In addition, buy now, pay later services are available to customers online and in-store at Walmart.
Use Affirm in Walmart In-Store and Online.
You can apply for an installment loan through Affirm to purchase items 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.
Affirm also offers payment programs for 3-24 month with interest rates ranging between 0% to 30 percent APR. To use Affirm funds approved for in-store purchases you will scan a barcode at the register.
Affirm will refund you for Walmart purchase. Affirm’s website and app allow you to make payments. Affirm can accept debit cards, ACH transfer to a checking or postal account.
You can apply here to Affirm to start shopping at Walmart.
How do you need a credit score to confirm at Walmart?
To apply for an Affirm Loan, you must have a credit score of at least 640. Affirm accepts scores as low as 600.
Affirm approval is best if you pay your current debt on time. Also, don’t have more than six loan inquiries at a time.
How do you Pay Interest at Walmart for Affirm?
Affirm users pay interest to Affirm on Walmart purchases. The Affirm app and website allow users to make payments or mail in personal checks. Affirm installments are available via a debit/debit card, direct deposit from you checking account, or a personal checks.
The installment payment rates range from 10-30% APR based on your credit score and assessment, which determines eligibility. Affirm may also require that a down payment be made using a credit card or debit card.
Affirm alternatives available at Walmart include Zip, Klarna, or PayPal Pay 4. You don’t need interest to use them. Remember that interest is charged if you choose to use Affirm as your Layaway Alternative.
Klarna – How to Buy Klarna In-Store or Online at Walmart
Klarna can be used by Walmart to layaway your purchase. Klarna splits the purchase into four equal interest-free installments that are due every 2 weeks. In addition, the Affirm alternative requires no credit check. Klarna may be used at any US merchant that accepts debit or card cards.
These are the steps to use Klarna online and in-store at Walmart.com.
Shop Walmart Online in Klarna
- Download the Klarna App: Get the Klarna app on Android and Apple.
- Walmart: Shop Walmart in Klarna.
- Shop Online – Add your Walmart Items to the Cart
- Pay To pay, scroll to the bottom of the app and click on the “Pay With K” button
- Make Payments: Make four interest-free Klarna payments every two weeks to pay off your Walmart purchase.
Shop Walmart Store with Klarna
- Download KlarnaApp Use the Klarna app to your Apple and Android devices.
- Search Walmart: Search for Walmart in the Klarna app.
- One-Time Card: Create a one-time Klarna credit card to use at Walmart. Walmart doesn’t accept Apple Pay/Google Pay so make sure to add the credit to your Walmart app. Also, the one-time Klarna credit card expires in 24 hours, so don’t apply too soon.
- Make payments: Receive four interest-free Klarna payment every two weeks to pay your Walmart purchase.
This process is easier than the Walmart layaway program.
What is Zip Pay?
Walmart accepts ZipPay (formerly QuadPay) as part its buy now, and pay later program. Zip is a Walmart layaway option that does not require a credit check. Instead, customers pay 25% upfront, and then make four monthly payments over six weeks. Visa can be accepted at any retailer that accepts Visa.
These are the steps to use Zippay at Walmart.com.
Shop Walmart Online with Zip
- Download ZipApp Install ZipApp on Android and Apple Devices
- Walmart: Shop Walmart in Zip.
- Shop Online. Add Walmart Products to Your Cart
- Payment: Click the “Pay with Zip” button at the bottom to check out.
- Complete Payment Confirm payment matches the order to close the transaction.
- Make payments: Pay your Walmart purchase with four zero-interest Zip payments spread over six weeks.
Shop Walmart Store in Zip
- Download ZipApp: Install ZipApp for Android and Apple devices.
- Payment Plan: Pick in-store and the amount you wish.
- Review: Review and approve your payment plan over six weeks.
- Store Card – The app will create a Zip card number with a CVCcode. To quickly access the credit card, you can upload it to your Apple Wallet and Google Pay.
- 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.
- Make Monthly Payments: Receive four interest-free Zip payments for your Walmart purchase over six weeks.
How to Use PayPal Pay 4 at Walmart In-Store and Online?
PayPal Pay in 4 allows you to make installment payments using your PayPal account for shopping at Walmart or millions of other online retailers. The PayPal Pay in 4 service, like Zip and Klarna does not require you to have a credit check or impact your credit score. Additionally, you can split your payment into 4 installments using the buy-now, pay later option. There are no late fees.
Follow these steps to use PayPal Pay 4 at Walmart.com and in-store:
- Shop Online – Order at Walmart.com & Add Your Products to the Cart
- Select PayPal Next, click “Pay Later”, followed by “Pay In 4”.
- Decision: The buy now, pay later service will decide within seconds.
- The First Payment: Upon approval, you’ll make the first of four payment to complete the purchase.
- Make Payments Get three additional interest-free PayPal payments every other week to pay off your Walmart order.
You will pay three easy installments after the initial payment every 15 days until the balance is automatically repaid.
Does Walmart Do Layaway?
Walmart no longer offers a layaway plan. It stopped offering it in the fall of 2021. Walmart has an alternative to layaway: You can 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.
Walmart Venmo Online and In-Store.
Walmart Offer Afterpay and Buy Now,Pay Later Services Summary
Afterpay is no long accepted by Walmart. However, Afterpay is no longer accepted by Walmart.
Walmart has over 140 million customers who shop online or in person every week. Walmart’s layaway options make it possible to buy both small and large items at a lower price. A Walmart layaway option allows shoppers to buy items such as toiletries, small camp projectors, car batteries, clothes, television sets, holiday gifts, disposable film cameras and other accessories compatible with Cricut Maker.
Check out our guide to the maximum netspend withdrawal limit at Walmart.