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Does Walmart Take After Pay

By David Krug 5 minute read

Because of Afterpay and other programs that allow customers to pay for their purchases over a period of time, many consumers can afford to buy high-ticket things without draining their bank accounts.

More and more physical and online stores are beginning to accept Afterpay as a payment method. Afterpay allows users to break up larger purchases with an installment plan, does not require a credit check, and can be used both in store and online at some of the nation’s largest retailers.

You may be asking if Walmart accepts Afterpay and other “Buy Now, Pay Later” services because Walmart, one of the largest shops in the United States, has a wide range of high-priced goods. What I’ve discovered is as follows!

In 2022, does Walmart accept Afterpay and other “Buy Now, Pay Later” services?

Walmart will no longer accept Afterpay in 2022, although it does accept alternative buy now pay later services including Affirm, QuadPay, Klarna, and PayPal Pay in Four.

Affirm may be used by Walmart customers to pay in installments of 3, 6, or 12 months, or consumers can utilize alternative services to pay within a few weeks of purchase.

Keep reading to discover more about the kind of products you may finance through these services, the procedure for utilizing each service, and whether or not you have to pay interest.

How do Walmart’s ‘buy now, pay later’ programs work?

Wal-Mart now permits the following “Buy Now, Pay Later ” choices:

  • Affirm
  • Klarna
  • QuadPay
  • PayPal Pay in 4

If you want to buy an expensive item from Walmart but can’t afford it, you may utilize any of these services to pay for it (see below for more information). The popular services Afterpay, Zip, and Sezzle are not linked with Walmart as of 2022, so you can’t use them to pay for your purchases.

What products will Walmart accept pay later services for?

There are no ‘buy now pay later’ services available for all goods at Walmart. These pay later services can only be applied to the following product categories:

  • Video games
  • Toys
  • Electronics
  • Musical instruments
  • Home Improvement
  • Arts and crafts
  • Sports & Outdoors
  • Auto
  • Tools
  • Jewelry
  • Apparel
  • Baby

Using the above-mentioned services, you cannot pay for the following product categories at Walmart (you must pay the whole price ahead for these, whether you are buying online or plan to pay in store):

  • Gasoline
  • Baby consumables
  • Alcohol
  • Miscellaneous supplies
  • Checkout counter merchandise
  • Groceries and food
  • Personal care
  • Pet supplies
  • Money services
  • Specialty items
  • Pharmacy
  • Health and wellness products
  • Tobacco
  • Weapons and ammunition
  • 1-hour photos
  • Wireless service plans

For some of these items, there are legal restrictions that mean that buy now pay later services can’t be used. Some of these items do not allow for any type of financing option to be used, either, and the full payment is due at the time of sale. Items like money services can only be bought with one payment method, cash.

As a result, Walmart’s financing options are only available for transactions totaling between $144 and $2,000.

How do you use Affirm to finance your Walmart purchases?

As Walmart’s official finance partner, Affirm, enables customers to pay for their purchases over a period of 3, 6, or 12 months with variable interest rates.

For in-store financing with Affirm, go to and choose your preferred plan (i.e. whether you want to pay in 3, 6, or 12 months).

In order to complete the transaction at the Walmart checkout counter, you will be given a one-time barcode that can be used just once. But, you read that right, you can use Afterpay for in store purchases. After that, you may relax and continue making monthly payments to Affirm until the loan is fully repaid.

You may apply for a loan at by clicking the “Affirm” button on the checkout page and filling out the application. You may now pay the monthly payments the same way you would if you bought the product in a shop.

Until you fully pay your balance, you can pay your monthly installments online.

Will pay later services accept customers with bad credit scores?

Affirm will only consider loan applications with a credit score of 640 or above. Affirm accepts applications from applicants with scores as low as 600 in some circumstances. As the last step, make sure you’ve paid all of your outstanding payments on time and have no more than six inquiries open at the same time.

How can I use QuadPay at Walmart online?

Using QuadPay is easy. You’ll need to download the QuadPay app to your phone if you’re not already a member. You will have to create an account and get set up with your own virtual card.

If you’re shopping online at, the next step is to add things to your cart. Once you’ve done that, go to the checkout page and choose ‘Pay with Quad Pay’ to see the 6-week payment schedule.

As soon as you have verified the information and signed up for a plan, you will be issued a virtual credit card number that you may use at the Walmart checkout page.

Can I use QuadPay in store at Walmart?

QuadPay is a Visa debit card that lets you pay in four equal installments over the course of six weeks. You may use it anywhere that accepts Visa cards.

In order to use QuadPay in-store or online, installing the Quad Play app is the first step. You may then locate Walmart in the app by using the search function.

When making an in-store purchase instead of adding things to your shopping cart, you may specify the exact amount you wish to pay, just like you would when making an online buy.

Complete your transaction and begin financing with Quad Pay by bringing your phone to an NFC scanner at the checkout counter once your virtual credit card is ready in the app.

Is Walmart’s ‘buy now, pay later’ program interest-free?

‘Buy Now, Pay Later’ services like QuadPay, Klarna, and PayPal Pay in 4 don’t charge interest. However, if you choose to use Affirm as your preferred finance partner, you will have to pay interest.

Affirm promises that it offers reasonable interest rates; however, you should be careful because any late payments may come with a fee tacked on.

Check out our other articles about Walmart Western Union availability, or Walmart Plus.

Bottom Line

As a ‘Buy Now, Pay Later service, Afterpay isn’t accepted by Walmart in any of its stores or online. Customers who want to pay for their items over time can use Affirm, Klarna, QuadPay, and PayPal Pay in 4. Customers may pay in increments of 3, 6, or 12 months at low-interest rates through Affirm. Customers may pay in four equal installments over the course of four to six weeks with Quads Pay, Klarna, or PayPal Pay in 4.

David Krug