Does Walmart Accept Buy Now Pay Later?

In recent years, the Buy Now Pay Later (BNPL) trend has become increasingly popular among shoppers, allowing them to purchase products and pay for them in installments.

Walmart, being one of the largest retailers in the world, attracts millions of customers each year. With the rise of BNPL, many shoppers wonder if Walmart accepts this payment method.

What is Buy Now Pay Later?

Defining BNPL

BNPL is a payment method that allows shoppers to purchase a product and split the cost into several installments. This means that the customer can receive the product immediately, while paying for it over a period of time.

The payments are usually interest-free, but fees may be charged for late payments or early repayments.

Advantages and disadvantages of BNPL

BNPL can be an attractive option for shoppers who need to make a purchase but cannot afford to pay for it all at once. It can also be a useful tool for those who want to spread out their expenses over a longer period of time.

However, it is important to note that BNPL can also come with disadvantages, such as high fees for late payments or the temptation to overspend.

Walmart and Buy Now Pay Later

Walmart’s Payment Methods

Walmart offers a variety of payment methods for its customers, including credit and debit cards, cash, and gift cards.

Additionally, Walmart also offers its own financing program called “Walmart Credit Card,” which allows customers to make purchases on credit and pay for them over time.

Does Walmart accept BNPL?

While Walmart does not explicitly offer BNPL as a payment option, it does accept certain BNPL services through its partnership with Affirm.

Affirm is a BNPL service that allows customers to pay for their purchases in installments. Customers can use Affirm at Walmart to make purchases between $150 and $2,000.

How to use Affirm at Walmart

To use Affirm at Walmart, customers can select Affirm as their payment option at checkout. They will then be prompted to provide some personal information and to undergo a credit check.

If approved, customers can then select the installment plan that best suits their needs.


What is the minimum purchase amount to use Affirm at Walmart?

The minimum purchase amount to use Affirm at Walmart is $150.

Are there any fees associated with using Affirm at Walmart?

Affirm does not charge any fees for using its service at Walmart. However, fees may be charged for late payments or early repayments.

Can I use Affirm to purchase groceries at Walmart?

No, Affirm can only be used for certain products and services at Walmart, such as electronics and furniture.

How long do I have to pay back my Affirm loan?

The repayment period for an Affirm loan at Walmart can range from 3 to 36 months, depending on the chosen installment plan.

Is it easy to get approved for Affirm at Walmart?

Approval for Affirm at Walmart depends on various factors, including credit history and income. It is not guaranteed, but many customers have reported a relatively easy approval process.


In conclusion, Walmart does accept Buy Now Pay Later through its partnership with Affirm. While Walmart does not offer BNPL as a payment option directly, customers can still use Affirm to pay for their purchases in installments. As with any payment method, it is important to consider the advantages and disadvantages of BNPL before making a purchase.

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