2024 Guide: Using Afterpay at Walmart In-Store & Online

Find out how to use Afterpay for your Walmart shopping both in-store and online. Get the latest 2024 updates on making Afterpay payments at Walmart, tackling 'not working' issues, and exploring buy now, pay later options. Start using Afterpay for Walmart purchases today!

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

Afterpay and other ‘Buy Now,Pay Later’ options have made it easy for customers to buy expensive goods without emptying their bank accounts in order to fully pay.

  • 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? Here is what I’ve found out!
  • Does Walmart Accept Afterpay & 'Buy Now, Pay Later' Services?

    Walmart Will Accept Afterpay And Other “Buy Now and Pay Later” Services in 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 Offers What Services Are Known as ‘Buy now, Pay later’

    Walmart allows the following services to be paid later:

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

    Since Afterpay, Zip and Sezzle aren’t associated with Walmart, it is not possible to use these popular options for financing your purchases.

    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. You can only use these services for the following product categories:

  • Video games
  • Toys
  • Electronics
  • Musical instruments
  • Renovations to your home
  • Arts and crafts
  • Sports & Outdoors
  • Auto
  • Instruments
  • 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):

  • Get Gasoline
  • Consumables for babies
  • Alcohol
  • Miscellaneous supplies
  • Get counter merchandise
  • Groceries and Food
  • Individual care
  • Supplies for pets
  • Services for money
  • Items of special interest
  • Pharmacy, health, and wellness
  • Tobacco
  • Waffen and ammunition
  • 1-hour photos
  • Service plans for wireless devices
  • You can also only apply these financing services to Walmart for purchase totals between $144-$2,000

    How can Affirm be used to finance your Walmart purchase (both in-stores and online)

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

    Affirm can be used to finance in-store purchases. Visit to select the plan that interests you (e.g. whether you want to pay in 3, 6, or 12 months).

    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.

    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.

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

    Which Credit Score is Required to Use Walmart Affirm?

    Affirm is required to approve your loan request if you have credit scores above 640 In some cases, Affirm does accept applications for scores as low as 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.

    Where can you use Quadpay in Walmart?

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

    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 order online from, next you will need to add items into your cart. Once you have done that, select ‘Pay with Quadpay’ at the checkout page to view the details of the 6-week payment plan you will have to follow.

    After verifying and agreeing to this plan, you’ll receive a virtual debit card number, expiry dates, and CVC that you can enter on the Walmart checkout page.

    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 will finance your purchase once you’ve created a virtual card.

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

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

    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.

    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.

    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 and Klarna don’t require you to pass a credit check. You can get started easily by downloading the app and signing up for an account.

    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?

    What is PayPal Pay in 4 at Walmart?

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

    To do so, select PayPal as the preferred payment option at the checkout page on, and then select ‘PayPal Pay In 4’ as the financing option once you have been redirected to the PayPal page.

    PayPal will create an installment plan. A set amount is deducted from PayPal at a predetermined frequency, until payment has been completed in four installments.

    Is it possible to charge interest on ‘Buy Now and Pay Later’ Walmart services?

    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 doesn’t accept Afterpay for a “Buy Now,Pay Later” service. It does however accept Affirm and Quadpay as well as PayPal Pay in 4, for those who want to finance their purchase in instalments.

    Through Affirm, customers can pay 3, 6, or 12-month installments at 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?

    See also  2024 Update: Walmart's Price Error Policy - Can You Save on Mismarked Items?
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