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.

  • Since Walmart, one of the largest retailers in the U.S., sells a variety of expensive items at its physical and online stores, you may be wondering if Walmart accepts Afterpay and other ‘Buy Now, Pay Later’ services? You can find out what I have discovered here!
  • Does Walmart Accept Afterpay & 'Buy Now, Pay Later' Services?

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

    Walmart does not accept Afterpay as of 2022, however, Walmart does accept other buy now, pay later services including Affirm, Quadpay, Klarna, and PayPal Pay in 4. Walmart customers will be able to pay with Affirm in either 3, 6 or 12 month installments. Or, you can choose to pay the rest in 4-6 weeks.

  • Read on to find out about these types of products, their process, and whether any interest charges are required.
  • Walmart will accept the following services:

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

    Although terms and regulations for each service may differ, all can be used by you to fund the purchase of an exclusive item at Walmart. (See below for further information).

    Due to Walmart’s 2022 affiliation, these services are no longer available.

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

    What Items Can You Buy At Walmart With ‘Buy Now, Pay Later’ Services?

    Walmart does not allow customers to use ‘Buy Now, Pay Later’ services for all kinds of items. This service is only available for certain product types:

  • Video games
  • Toys
  • Electronics
  • Musical instruments
  • Home improvement
  • Arts and crafts
  • Sports & Outdoors
  • Auto
  • Tools
  • Jewellery
  • 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):

  • Get Gasoline
  • Products for infants
  • Alcohol
  • Miscellaneous supplies
  • Get counter merchandise
  • Groceries and Food
  • Care for yourself
  • Supplies for pets
  • Services in the area of money
  • You will find special items
  • Wellness, Pharmacy and Health
  • Tobacco
  • Armament and ammunition
  • Photos taken in 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.

    How Can You Use Affirm To Finance Your Purchases At Walmart (In-Store And Online)?

    Walmart’s Official Financing Partner, Affirm offers customers the ability to pay in installments of 3, 6 and 12 months with different rates of interest.

    Affirm can be used to finance in-store purchases. Visit to select the plan that interests you (e.g. 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.

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

    To apply for a loan, you can simply shop online at by clicking on “Affirm” and then filling out the application. You can pay your monthly installments just like you did in store.

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

    How do you use Affirm at Walmart with a credit score of 0?

    Affirm will only accept loans if you have a credit score above 640. Affirm accepts applications from scores as low at 600.

    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.

    What is Quadpay at Walmart Online and in-Store?

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

    Quadpay can be used online or in-store. The first thing you need to do is download the Quadpay App and locate Walmart within the app using the search function.

    If you buy online through you must add items. To view details about the six-weekly payment plan, choose ‘Pay with Quadpay” at checkout.

    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.

    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.

    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 is available at Walmart both in-stores and online.

    The process for using Klarna at Walmart is similar to the method for Quadpay. First, you will need to install Klarna and then search the Walmart stores within the app.

    From there you can add items or pay the full amount in-store at Walmart.

    After you complete the first transaction, you can continue the purchase with 4 easy installments. They are each payable once every two weeks.

    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. You can get started easily by downloading the app and signing up for 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: How can you use PayPal Pay In 4?

    PayPal’s PayPal in 4 service is available to you if you shop online on It allows you complete your order in 4 easy installments with 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.

    Are you required to pay interest for ‘Buy now, Pay later’ services at Walmart

    For ‘Buy Now and Pay Later’ services like Quadpay, Klarna or Paypal Pay in 4, you don’t need to pay interest.

    Affirm is your preferred partner for financing, however you must pay interest.

    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 cannot accept Afterpay online or in stores. If customers are interested in financing their purchases by installments, they can accept Affirm or Quadpay.

    Affirm offers customers the option to pay 3 or 6 monthly installments at low interest rates. Quadpay and Klarna allow customers to pay in 4 or 6 weekly installments with no interest.

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

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