Buy Now, Pay Later at Walmart
Walmart offers easy and affordable monthly payments online and in stores with Affirm, at a pace you choose--3, 6, or 12 months*. Alternative to layaway, you can purchase immediately and pay over time. During checkout, Affirm always shows you the exact terms (subject to your eligibility) and the total amount of interest you'll pay, never charging you anything extra. Unlike most credit cards, Affirm doesn't charge any fees. That means no late fees, no prepayment fees, no annual fees, no hidden fees, and no service fees to open or close your Affirm account.
Here are some frequently asked questions about how to finance your purchases at Walmart:
Which categories are eligible for financing?
Affirm financing is available on eligible Walmart purchases between $144–$2000, including tax. Eligible categories include:
- Electronics, such as laptops, TVs, iPhones, video gaming, and more
- Home, such as mattresses, furniture, and more
- Home improvement and tools
- Sports and outdoors
Certain categories are ineligible for financing, including:
- Pharmacy, health, and wellness
- Groceries and food
- Baby consumables
- Pet supplies
- Wireless services plan
- Weapons and accessories
These Walmart.com categories are non-comprehensive and subject to change without notice. To purchase any finance-ineligible items, you'll need to provide an alternative form of payment.
Is Affirm available at Walmart stores?
For Walmart store purchases, you can apply online at affirm.com/walmart, pick your desired payment plan, scan your single use barcode at the register, and make payments online with Affirm.
How can I buy now and pay later with Affirm 0% APR financing at Walmart.com?
Affirm may offer special financing as low as 0% APR on select Walmart.com products. This means you may be able to make monthly payments with no interest with Affirm. When you’re browsing products on Walmart.com, certain items may be labeled as offering “0% APR with Affirm.” Items eligible for interest-free financing are subject to change.
What if I see an interest rate “0% APR” available on Walmart.com, but the interest rate I later see during Affirm’s application process is between 10-30% APR?
0% APR is a promotional financing offer that is specific to certain Walmart.com products for a limited time. For items that do not qualify for 0% APR financing, your APR rate will be between 10–30%, depending upon your credit. The exact terms you qualify for will be shown when you check out with Affirm.
Is the Affirm 0% APR program offered in stores?
Currently, the 0% APR, interest-free financing program with Affirm is only available on Walmart.com, but you can still make interest-bearing purchases with Affirm in store.