Walmart is the world’s largest retailer. 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.
The decision to shift alternative payment methods at Walmart has impacted its millions of customers. Walmart, for example, removed the layaway program before the holiday season 2021 and replaced it by buy now, pay later options as an alternative payment method.
According to a recent study, 60 percent of the 2,005 customers surveyed used buy now, pay later options, making it quite popular. It makes sense that major retailers such as Target and Walmart offer installment plans.
Learn more about Walmart’s buy now, pay it later program, its partners, and the products you can purchase 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 provides financing for prescription medication, pet medications and vitamins, as well as for baby formula, baby books, diapers and optical frames, as well hair products that can be purchased 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. Other major retailers are adopting the new installment plans and are seeing a rise in popularity.
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: Tools 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, 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 and Moistanite 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 Articles: Car seat and baby clothes
- Musical Instruments: Pianos, guitar, speakers
- Outdoors and Sports: Curved Treadmill for Sprinting, Backpacks, Kayaks for Less Than $200, Tent, Shoe-mounted Pedeometer
- Automotive: 12v motor batteries, automotive electronics, motorcycle oils, to replace worn tires
Returning an empty air mattress to Walmart.
Walmart – What Products Can You Not Purchase at Walmart with Buy Now and Pay Later?
Walmart does not allow you to finance some items with installment payments. Here is a list with ineligible services and products that aren’t eligible for the Walmart purchase now, pay later program.
- Groceries and foods
- Baby Consumables
- Personal Care
- Pharmacy, Health, and Wellness
- Pet Supplies
- Plans for Wireless Services
- 1-hour Photo
- Alcohol
- Gasoline and Kerosene
- Register: Merchandise
- Diverse Supplies such as duplicate keys and stamps
- Money Services
- Temporary Specialty Products
- Auto Services
- Tobacco
- Rental Services: Carpet cleaner rentals
- Weapons, ammunition and airguns. Gun accessories. Hunting supplies.
For more information, please contact your nearest Walmart Store. Or, you can see the current list of eligible and non-eligible products for financing here.
You can find our guide on Walmart return opening and closing hours.
How Does Buy Now, Pay Later Work at Walmart?
Affirm allows Walmart customers to spread their financial payments over up to 24 months at varying interest rates. When you shop at Walmart.com, choose Affirm to be your payment method. You can also apply for an installment loan by choosing Affirm.
Affirm.com must be used to complete your application. Affirm will then allow you to make online payments.
Walmart accepts Zip Pay (formerly QuadPay), Klarna or PayPal Pay in 4. Other payment options for customers are available from 4 to 6 Weeks. Customers can also shop online or in-store for buy now, and pay later services.
Using Affirm at Walmart In Stores and Online.
Affirm allows you to apply for an installment loan on stuff you buy at Walmart. Once the loan has been approved and loaded on your virtual card you will be eligible to purchase eligible products online or in-store at Walmart.
Affirm also offers payment programs for three to 24 month with interest rates ranging between 0% and 30% APR. You can use approved Affirm funds for in-store purchases by scanning a single-use code at the register.
You’ll repay Affirm for your Walmart purchases. Affirm can be used to make payments online or via the Affirm app. Affirm accepts credit cards, ACH with a checking or postal account transfers.
By applying here, you can shop at Walmart with Affirm.
How do you need a credit score to confirm at Walmart?
Affirm loans are only available to those with a credit score of 640 and above. 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.
Walmart Affirms Interest Rates
Users pay interest payments to Affirm for purchases made at Walmart. Payments can be made through the Affirm App, Website, or by mailing in a personal cheque. Your Affirm installment payments may be paid with a debit or credit card, direct deposit from your checking accounts, or a personal cheque.
The installment payment rates range from 10-30% APR based on your credit score and assessment, which determines eligibility. Affirm may ask for a down payment. This can be done using a debit card, credit card, or an ACH taken from a bank.
Affirm alternatives available at Walmart include Zip, Klarna and PayPal Pay 4. You don’t have interest to pay. You will still have to pay interest if Affirm is chosen as your layaway option.
Klarna – How to Buy Klarna In-Store or Online at Walmart
Klarna is an option for layaway at Walmart. This splits the purchase price into four interest-free installments due every 2 weeks. Affirm also doesn’t require credit checks. Klarna can be used at any US-accepting retailer that accepts debit cards or credit cards.
These are the steps to use Klarna online and in-store at Walmart.com.
Shop Walmart Online using Klarna
- Download Klarna App Install Klarna on Android and Apple Devices
- Walmart: Shop Walmart in Klarna.
- Shop Online: Add Walmart products to your cart
- Payment: Click the “Pay with K” button at the bottom to check out.
- Make Payments To pay off your Walmart purchase, make four interest-free Klarna installments every two weeks.
Walmart Store with Klarna
- Download KlarnaApp: Install Klarna for Android and Apple devices.
- Walmart Search: Search Walmart in the Klarna App.
- One-Time Card: Create a one-time Klarna credit card to use at Walmart. Walmart does not accept Apple Pay/Google Pay. You will need to add the credit to your Walmart app. Also, the Klarna one-time credit card expires within 24 hours, so don’t apply too quickly.
- Make Payments: Make four interest-free Klarna payments every two weeks to pay off your Walmart purchase.
The process is simpler than the Walmart layaway program.
Use ZipPay at Walmart In-Stores and Online.
Walmart now accepts Zip Pay, formerly QuadPay as part of their buy now, pay later program. Zip is a Walmart Layaway Alternative that doesn’t require credit checks. Instead, shoppers pay 25% upfront and the rest in four payments over six months. Visa can be accepted at any retailer that accepts Visa.
These steps will help you use Zip pay in-store and on Walmart.com.
Shop Walmart Online Using Zip
- Download ZipApp: Use the Zip app on Android and Apple devices.
- Walmart Search: Search Walmart in the Zip App.
- Shop Online – Add your Walmart Items to the Cart
- Make Payment: When you are ready to pay, simply click the “Pay by Zip” button.
- Final Payment: Confirm your payment matches the order.
- Make Monthly Payments: Receive four interest-free Zip payments for your Walmart purchase over six weeks.
Shop Walmart Store With Zip
- Download ZipApp: Install Zip App for Android and Apple Devices.
- Payment plan: You can choose in-store how much you would like to spend.
- Review View and Approve Your Payment Plan Over Six Weeks.
- Store Card – The app will create a Zip card number with a CVCcode. You can then upload your credit card to either your Apple Wallet, or Google Pay for instant access.
- 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 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. You don’t need to be credit-worthy and it doesn’t affect your credit score like Zip or Klarna. The buy now, pay it later service allows you to split your payment into four equal installments, with no late fees.
To use PayPal Pay 4 on Walmart.com and in store:
- Shop Online: Visit Walmart.com to Add your Purchases To The Cart
- Choose PayPal: When you reach the checkout, select PayPal. Click “Pay Later” followed closely by “Pay within 4”.
- Decision: The buy now, pay later service will decide within seconds.
- The First Payment: Upon approval, you will be able to make your first payment. This is the final installment.
- Make Payments Get three additional interest-free PayPal payments every other week to pay off your Walmart order.
After the initial payment, you’ll pay three simple installments over 15 days. The balance will then be automatically repaid.
Does Walmart Do Layaway?
Walmart discontinued its layaway program in the fall 2021. Walmart offers a layaway option that allows you to partner with buy now and pay for later services. For flexible and affordable Walmart payments, customers can opt for Klarna, PayPalPay in 4, QuadPay, and Affirm.
Walmart Venmo: In-store or Online.
Walmart Accept Afterpay and Buy Now, Pay Later Services Summary
Afterpay is no longer accepted at Walmart. It offers alternative options to Afterpay, such as PayPal Pay in 4 Klarna or QuadPay and Affirm Walmart.
Walmart sells online or in-person to around 140 million people every week. Walmart offers layaway options, which make it affordable to both purchase small and large amounts. You can purchase, for example, a Cricut Maker compatible computer, toiletries, small projectors to camp, car battery, clothes and TV sets. Also, you can get holiday gifts, disposable film cameras, and other items with a buy-now, pay-late company.
Check out this guide about the maximum Netspend withdrawal limit from Walmart.