Qualifying for a buy now pay later program is relatively easier than qualifying for a credit card. They provide ease in shopping experiences and with Walmart buy now pay later you can purchase items of numerous categories. The retailer uses Affirm as its financing partner through which customers don’t have to wait to take the item home till they pay back in full. 

Walmart buy now pays later works in relation with one of the leading financial platforms i.e., Affirm. It lets you divide your purchase into monthly installments with 0% to 30% APR. It fits the best for borrowers who receive low-interest rates and fulfill the pre-qualification criteria. It offers a plan where you can split your payment into three, six, or twelve months; where the first payment is due at the time of checkout.

Is There a Walmart Buy Now Pay Later Offer?

Walmart as we all know is one of the American multinational retail corporations operating a chain of hypermarkets. It facilitates customers with its never-ending top-notch services and quality products. Along with contactless payment options i.e. Walmart accepts Apple Pay, it also offers financing plans to make shopping easier for all. 

Until recently, Walmart offered one of the payment programs known as the seasonal layaway program. Using this, customers made a down payment at the time of purchase and the remaining payments were to be paid over a specific period. 

It was different than the traditional financing plans that we have running these days offered by buy now pay later platforms. In the seasonal layaway programs, customers were not allowed to take their orders home. To do so, they had to complete their full payment before they could hold complete possession of their item. 

To cater to this problem, Walmart joined hands with one of the eligible and trustworthy financial service providers i.e., Affirm. It provides complete interest-free financing and payment plans for online and in-store purchases. 

Shoppers can now take their items home immediately and then pay them off with Affirm. There are, however, certain pre-qualification requirements that customers must abide by. Rest, Affirm services work just similar to that of the credit card. 

Can You Use Affirm as Walmart Buy Now Pay Later?

If you are new to these buy now pay later services, here is all that you must keep in mind while shopping at Walmart using Affirm. All you need to do is select your payment plan and let Affirm do the rest. It matches you with respective lenders who provide you with loans for the financed items. 

Walmart offers easy and affordable monthly payments with Affirm where you can pay off your debt in a period of three to twelve months. At the time of checkout, you get to see the exact terms and conditions, along with the eligibility. 

It also guides you on the total amount of interest you will pay, not charging any additional fees or hidden fees of any sort. Affirm stands out among its other competitors since it does not charge any late fees, annual fees, prepayment penalties, or service fees from the customers. 

Your APR with be around 10% to 30%, based on your credit and it can be 0% for specific promotional items on Walmart.com. As mentioned earlier, not all the customers are eligible to avail of this service. Make sure that your purchase lies in between $144 to $2000 that too of select items to get Affirm financing. 

What’s The Difference Between Affirm Online and In-Store Shopping?

Online and in-store purchases have slightly different criteria when we talk about financing. If you are shopping online at Walmart.com, you can choose Affirm at the time of checkout. Just apply for the loan reading all the terms and conditions to pay for your items. 

On the contrary, if you are making an in-store purchase, you need to apply at affirm.com/Walmart. Once done, select your payment plan as per your feasibility, scan your single-use barcode at the register and make online payments with the Affirm. 

Depending upon your total amount of purchase, you will see the available payment plans. For instance, if your cart is between $144 to $799.99, you can finance your purchase for over three, six, or twelve months. Whereas, for carts between $800 to $2000, you can finance your purchase for over twelve, eighteen, or twenty-four months. 

To your surprise, Walmart shoppers can also return their purchases made with Affirm. But, any amount that you paid in interest for the purchase will not be refunded by any chance. To prevent your credit score from hurting, make sure to pay on time and avoid partial payments. 

Products Under Walmart Buy Now Pay Later 

Walmart’s buy now pay later program with Affirm is subject to some specifications. Below is the list of items that are eligible for purchase using Affirm financing. 

  • Electronics
  • Musical instruments
  • Home improvement
  • Auto
  • Video games
  • Toys
  • Tools
  • Baby
  • Jewelry
  • Apparel
  • Home
  • Arts & crafts
  • Sports & outdoors

On the other hand, some items that you cannot finance through Affirm financing at Walmart are mentioned below. 

  • Alcohol
  • Baby consumables
  • Gasoline
  • Groceries and food
  • Pharmacy, health, and wellness
  • Gun accessories
  • Hunting supplies
  • Temporary specialty items
  • Tobacco
  • Money services
  • Personal care
  • Pet supplies
  • Weapons
  • Ammunition
  • Air guns
  • Merchandise at the register
  • Miscellaneous supplies
  • Wireless services plans
  • 1-hour photo

Before You Go! 

Walmart is one of the go-to and most buys supermarket chains of all time. Not everyone out there can afford large expenses and so these financing plans were introduced to assist every buyer. Walmart too collaborated with Affirm which lets you divide your payment into installments or loan the purchase. 

To finance your purchase with Affirm, just visit the official websites to apply, enter the purchase total, and show the barcode at the checkout. Make sure you are applying the financing for the eligible items. Break down your cost and let go of the worry of paying all at once. Affirm does not charge any unnecessary fees or interest on the payments, unlike many other available options. 

The story does not end here! There are a number of other buy now pay later schemes to check it with just a click away.

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