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

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

Afterpay, one of many ‘Buy Now and Pay Later’ service providers has made it possible for individuals to easily purchase high-end items without needing to drain their savings to do so.

  • Walmart is one the most popular retailers in the U.S. and offers a range of costly items through its physical and digital stores. This is what I found!
  • Does Walmart Accept Afterpay & 'Buy Now, Pay Later' Services?

    Is Walmart accepting Afterpay and other ‘Buy Now,Pay Later’ services in 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 can use Affirm to pay in 3, 6, or 12-month installments or use the other services to pay in 4-6 weeks.

  • Continue reading to find out more information about these financing options, how they work, what you need to do to use them, and whether interest is required.
  • Walmart’s ‘Buy Today, Pay Later’ Services Accepted

    Walmart offers the following services as a ‘Buy Now and Pay Later’:

    Although each service has its own terms and conditions, they can all be used to help you finance an item that is more expensive at Walmart.

    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 – What items can you buy with the ‘Buy now, Pay later’ services?

    Walmart doesn’t allow customers to shop with ‘Buy Now,Pay Later’ on all types of products. These services can be used only for the following products:

  • Video games
  • Toys
  • Electronics
  • Musical instruments
  • Renovations to your home
  • Arts and crafts
  • Sports & Outdoors
  • Auto
  • Tools
  • Jewelry
  • Apparel
  • Baby
  • You cannot pay for the following product categories at Walmart through installments using the above-mentioned services (you have to pay the full amount upfront to purchase these):

  • Oil
  • Condiments for baby
  • Alcohol
  • Miscellaneous supplies
  • Checkout counter merchandise
  • Groceries, food
  • Care for yourself
  • Products for pet owners
  • Services in the area of money
  • You will find special items
  • Wellness, Pharmacy and Health
  • Tobacco
  • Weapons and ammunition
  • Photos for 1 Hour
  • Mobile service plans
  • Additionally, you can only use these financing services at Walmart for purchases with a total value between $144 and $2,000.

    Is Affirm a way to finance purchases at Walmart?

    Walmart’s financing partner, Affirm allows customers to make payments over 3, 6 or 12 months at varying interest rates.

    Affirm allows you to finance an in-store purchase by going to 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.

    After you’ve paid the full amount, you can relax and pay your monthly installments to the Affirm.

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

    What is Quadpay at Walmart Online and in-Store?

    Quadpay allows for you to break your payment into 4 payments over a 6-week period. You can use Quadpay wherever Visa cards accept.

    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.

    Next, you should add items to your cart if you are buying online through You can then click ‘Pay using Quadpay’ on the checkout page. This will display the details of your 6-week payment schedule.

    After entering the required information, you will get a virtual credit card number with expiry and CVC. These numbers can then be entered at Walmart checkout, when you are asked to provide your Visa card details.

    For in-store purchases, you should follow the same steps outlined for online payments except that instead of adding items to your cart, you can directly specify the amount you have to pay for your in-store purchase.

    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?

    Klarna at Walmart: In-Store and Online: How can you use it?

    Klarna is used in Walmart exactly the same way that Quadpay. After installing the Klarna application, go to the Walmart app and look for the store.

    There are two options: add items and then proceed to Pay with Klarna’ or to specify the amount that you’d like 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.

    Note that you will be restricted in the amount of financing you are allowed to finance if your past history includes late payments or excessive financing.

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

    Walmart Payments: What Can I Do?

    You can buy online at using PayPal’s PayPal Pay in 4 service. This allows you to pay your bill in four easy payments.

    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.

    PayPal will establish an installment plan. This will deduct a certain amount from your PayPal account at a specified frequency until you complete the payment in four installments.

    What Interest Do I Have to Pay for the ‘Buy Today, 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 is your preferred partner for financing, however you must pay interest.

    Check out our posts on how to load Chime cards at Walmart and netSpend withdrawals. We also discuss whether Walmart has Western Union, Apple Pay, or if it does not.

  • Conclusion
  • Walmart doesn’t accept Afterpay for a “Buy Now,Pay Later” service. For customers who wish to finance their purchases over installments, however, Walmart does accept Affirm (Klinna), Quadpay and PayPal Pay In 4.

    Affirm allows customers to make 3, 6 or 12 monthly installments, at affordable 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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