Does Walmart Accept Afterpay & ‘Buy Now, Pay Later’ Services?

Does Walmart Accept Afterpay & ‘Buy Now, Pay Later’ Services?

Afterpay is one example of a ‘Buy Now & Pay Later’ option that allows people to spend high prices without having their account balances empty.

  • Walmart is one of America’s largest retailers and sells many expensive products at both its online and physical stores. You may wonder if Walmart will accept Afterpay or other ‘Buy Now and Pay Later’ services. This is what I found!
  • Does Walmart Accept Afterpay & 'Buy Now, Pay Later' Services?

    Walmart will accept Afterpay & other “Buy Now, Pay Later” services by 2022

    Walmart has stopped accepting Afterpay from 2022. But, Walmart will accept Affirm, Quadpay and Klarna as well as other buy now-pay later services such PayPal Pay in 4. Walmart customers are able to use Affirm or the other services to pay in 4-6 Weeks.

  • Keep reading to discover more about what items these loans can finance, the processes involved in using them and whether or not you will have to pay interest.
  • What ‘Buy Now, Pay Later’ Services Does Walmart Accept?

    Walmart will accept the following “Buy Now,Pay Later” services:

    Although there are differences in the processes, terms and conditions of each service, any one of them can be used to finance the purchase at Walmart of an extremely expensive item (see below).

    Because these services have not been associated with Walmart in 2022, they cannot be used to finance purchases.

    Does Walmart Accept Afterpay & 'Buy Now, Pay Later' Services?

    Walmart: Which Items Are Available for Purchase?

    Walmart won’t let customers use the ‘Buy Now Pay Later’ service on any type of item. These services can be used only for the following products:

  • Video games
  • Toys
  • Electronics
  • Instruments for music
  • Home improvement
  • Arts and crafts
  • Sports & Outdoors
  • Auto
  • Tool
  • Jewellery
  • Apparel
  • Baby
  • Walmart cannot charge you for these product categories in installments with the services mentioned above. You must pay full price upfront.

  • Petroleum
  • Baby consumables
  • Alcohol
  • Miscellaneous supplies
  • You can also check out counter merchandise
  • Groceries & food
  • Caring for your own body
  • Supplies for pets
  • Money services
  • Specialty Items
  • Health, pharmacy, and wellness
  • Tobacco
  • Armament and ammunition
  • Photo of the Day
  • Service plans for wireless devices
  • Walmart will only allow you to use the financing service for orders with total values between $144 and $2,000

    How do you use Affirm to Finance your Walmart Purchases (In-Store and Online)

    Affirm is Walmart’s official financing partner and allows customers to pay for their purchases in 3, 6, or 12-month installments with varying rates of interest.

    To use Affirm to finance your purchase in-store, head over to and select your desired plan (i.e. Decide whether you’d like to pay 3, 6, or 12 month installments

    You will then receive an instant barcode, which you need to scan at the counter when you get prompted for payment.

    Once you receive the final amount you can pay the monthly installments, or you may continue your payments to Affirm.

    When you shop online with, click on “Affirm” at the checkout page to complete an application for a loan. The monthly payments can be paid in the same way as an in-store transaction.

    Does Walmart Accept Afterpay & 'Buy Now, Pay Later' Services?

    Are You a Walmart Employee?

    Affirm must accept loan applications from people with credit scores of at least 640. Affirm can accept loans for as little as 600 credit score in some instances.

    Your chances of getting a loan approval are increased if you pay all your installments on schedule and do not have more than 6 inquiries.

    How Can You Use Quadpay At Walmart In-Store And Online?

    Quadpay lets you split your payment in 4 equal installments over 6 weeks. It can also be used wherever Visa cards are accepted.

    To use Quadpay in-store or online, the first step involves downloading the Quadpay app and locating Walmart inside the app through the search feature.

    If you’re shopping online at, then you need to add the items you want to your cart. After you’ve done this, click on ‘Pay With Quadpay’ to see the details for the 6-week installment plan.

    After verifying your information and agreeing, you will receive a virtual card number, expiry day, and CVC. This can be used at Walmart’s checkout page, where you’ll need to input Visa card details.

    In-store payments should be made in the same way as online orders. However, instead of adding products to your cart you can direct specify the amount to pay.

    Quadpay financing is easy once the virtual credit cards are ready. You just need to bring your phone to an NFC reader near the checkout counter in order to finish the transaction.

    Does Walmart Accept Afterpay & 'Buy Now, Pay Later' Services?

    How Can You Use Klarna At Walmart In-Store And Online?

    The process for using Klarna at Walmart is similar to the method for Quadpay. To use Klarna at Walmart, first download the Klarna app. Next, search within the app for the Walmart location.

    Once there, you can either add items to your cart and proceed to ‘Pay with Klarna’ or specify the total amount you want to pay in-store at Walmart.

    Once the transaction is completed, you are free to proceed with the purchase by paying 4 simple installments. Each payment will take place once per week.

    Do You Have To Undergo A Credit Check To Use Quadpay Or Klarna At Walmart?

    You don’t have to go through a credit check to use Quadpay or Klarna. Start by downloading the app to create an account.

    If you make a poor payment history or have excessive finance, both companies will limit how much you can borrow.

    Does Walmart Accept Afterpay & 'Buy Now, Pay Later' Services?

    What is PayPal Pay in 4 at Walmart?

    If you are buying online through, you can use PayPal’s Pay in 4 service to complete your purchase in 4 easy installments from your PayPal balance.

    You can do this by selecting PayPal as the preferred option for payment on your checkout page at After being redirected there, you will be able to select “Paypal Pay In 4” as the financing option.

    PayPal will setup an installment plan. At a preset frequency, a predetermined amount will be taken from your PayPal balance until you make the final payment.

    Do You Have To Pay Interest For ‘Buy Now, Pay Later’ Services At Walmart?

    The interest-free ‘Buy Now Pay Later’ services of Quadpay, Klarna and Paypal Pay In 4. are not subject to any charges.

    Affirm can be used as your preferred financing partner but interest will apply.

    You can read more about loading Chime cards and NetSpend withdrawals from Walmart. Also, check out whether Walmart offers Western Union or Apple Pay.

  • Conclusion
  • Walmart will not accept Afterpay to pay later. It does however accept Affirm and Quadpay as well as PayPal Pay in 4, for those who want to finance their purchase in instalments.

    Customers can use Affirm to pay 3-, 6- or 12-month installments with reasonable interest rates. With Quadpay, Klarna, and PayPal Pay in 4, customers can pay via 4 interest-free installments in a period of 4 to 6 weeks.

    .Does Walmart Accept Afterpay & ‘Buy Now, Pay Later’ Services?

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