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

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

Various ‘Buy Now, Pay Later’ services such as Afterpay have made it convenient for people to purchase expensive items without having to empty their accounts to pay the full price.

  • Walmart, the U.S.’s biggest retailer, is known for selling a wide range of high-priced items in its physical and online stores. Do you know if Walmart offers Afterpay, and other Buy Now,Pay Later?’ options? What I learned is this:
  • Does Walmart Accept Afterpay & 'Buy Now, Pay Later' Services?

    Walmart to Accept Afterpay, Other ‘Buy now, Pay later’ Services By 2022

    Walmart no longer accepts Afterpay. However, Walmart accepts other buy-now, pay-later services like Affirm and Quadpay. Klarna also accepts PayPal Pay in 4. Walmart customers may use Affirm to make payments in three, six or twelve-month increments. You can also use other services for payments in 4-6 week.

  • If you want to learn more about the type of items you can finance through these services, the process for using each service, and whether you have to pay any interest, keep on reading!
  • Walmart will accept the following services:

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

    You can still use each of the services to purchase an expensive product at Walmart, despite the terms and conditions being different.

    You cannot finance your purchase using other services like Zip, Afterpay or Sezzle, as they aren’t affiliated with Walmart since 2022.

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

    Walmart offers a variety of products that you can buy at Walmart with the “Buy Now,Pay Later” service.

    Walmart prohibits customers from using ‘Buy Now and Pay Later’ for any item. These services can be used only for the following products:

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

  • Get Gasoline
  • Products for infants
  • Alcohol
  • Miscellaneous supplies
  • Take a look at our counter merchandise
  • Groceries and Food
  • Care for yourself
  • Pet supplies
  • Services in the area of money
  • Items of special interest
  • Wellness, Pharmacy and Health
  • Tobacco
  • Armament and ammunition
  • 1-hour photos
  • Mobile service plans
  • Walmart will only allow you to use the financing service for orders with total values between $144 and $2,000

    Is Affirm a way to finance purchases at Walmart?

    Walmart’s official financing partner Affirm lets customers pay their purchase in three, six or twelve-month installments at different interest rates.

    Affirm allows you to finance an in-store purchase by going to You can choose to have your payment in three, six or twelve months.

    When you complete that step, you will get an unique barcode you must scan when you go to checkout for the order.

    You can then relax and continue to pay Affirm the monthly installments until the entire amount has been repaid.

    If you are buying online through, simply tap on ‘Affirm’ at the checkout page and fill in the application to apply for a loan. Just like the in-store purchase, you can now pay the monthly installments.

    Where can you use Quadpay in Walmart?

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

    Quadpay allows you to shop in-store and online. You first need to download the Quadpay mobile app.

    If you buy online through you must add items. Next, add items to your cart. To see details on the 6-week payment plan that you will need to follow, go to the checkout page and select “Pay with Quadpay”.

    After verifying the information and agreeing to the plan, you will be given a virtual credit card number, expiry date, and CVC to enter at the Walmart checkout page where you are prompted to enter Visa card details.

    You can specify how much you will pay in store for in-store orders by following the exact same steps as for online purchases.

    After you have created the virtual credit card in the App, your smartphone can be scanned at the counter using NFC to confirm the transaction.

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

    Klarna Online and In-Store at Walmart.

    It is very similar to Quadpay’s process of using Klarna in Walmart. You have to first install the Klarna app and search for the Walmart store inside the app.

    After you have completed the checkout process, you will be able to add items to your basket and continue to ‘Pay With Klarna’. Or you can enter your total payment 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?

    Quadpay or Klarna are available to all without a credit check. Sign up by opening the app or downloading it.

    Both companies may limit the amount they can finance you if you have a history of excessive or late payment.

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

    How Can You Use PayPal Pay In 4 At Walmart?

    PayPal’s Pay In 4 service allows you to make a purchase online via You will pay in 4 simple installments using your PayPal balance.

    After you’ve been directed to PayPal’s page, first select PayPal as the payment option that you prefer. Then, go to and choose PayPal Pay In 4 as the financing option.

    After that, PayPal will set up an installment plan where a set amount will be deducted from your PayPal balance at a set frequency until you have completed the payment in 4 installments.

    What Interest Do I Have to Pay for the ‘Buy Today, Pay Later’ Services at Walmart?

    You don’t have to pay any interest for ‘Buy Now, Pay Later’ services such as Quadpay, Klarna, and Paypal Pay in 4.

    However, you will have to pay interest for using Affirm as your preferred financing partner.

    To learn more, you can see out other posts on loading Chime cards at Walmart, NetSpend withdrawals at Walmart, and also whether or not Walmart has Western Union and Apple Pay.

  • Conclusion
  • Walmart is unable to accept Afterpay in any of its stores or online as a payment option for “Buy Now and Pay Later”. For customers who wish to finance their purchases over installments, however, Walmart does accept Affirm (Klinna), Quadpay and PayPal Pay In 4.

    Affirm offers customers the option to pay 3 or 6 monthly installments at low interest rates. Customers can make 4 installments of interest-free payments with Quadpay, Klarna and PayPal Pay In 4. This is possible within a 4-6 week period.

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

    See also  Walmart Pre-Order Policy
    Ethan L is a 32-year-old man with a passion for science and technology. He grew up in a small town in the Midwest and always had a fascination with how things worked. He excelled in math and science in high school and went on to earn a degree in computer…

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