How To Use Klarna At Walmart In-Store

By David Krug David Krug is the CEO & President of Bankovia. He's a lifelong expat who has lived in the Philippines, Mexico, Thailand, and Colombia. When he's not reading about cryptocurrencies, he's researching the latest personal finance software. 5 minute read

Consumers no longer have to exhaust their bank accounts to pay the entire price of pricey purchases thanks to ‘Buy Now, Pay Later’ services like Afterpay.

For those who are interested in purchasing high-priced things from Walmart, you may question if Walmart offers Afterpay or other ‘Buy Now, Pay Later’ services. Here’s what I discovered!

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

In 2022, Walmart does not accept Afterpay but does accept alternative purchases now, pay later services such as Affirm, Quadpay, and Klarna.

Customers of Walmart can pay in 3, 6, or 12-month payments with Affirm, or in as little as 4 to 6 weeks with the other options.

Read on for more information on what you may be financed through these services, how to use them, and if you have to pay any interest.

What types of ‘Buy Now, Pay Later’ services does Walmart accept?

Following are the ‘Buy Now, Pay Later’ options Walmart accepts:

  • Affirm
  • Klarna
  • Quadpay
  • PayPal Pay in 4

You can use any of these services to pay for a costly item at Walmart, however, the procedure, terms, and restrictions for doing so vary from service to service see below for more information.

Other popular payment methods like Afterpay, Zip, and Sezzle are not linked with Walmart as of 2022, so you will not be able to use them to finance your purchases in this way.

What items can be purchased at Walmart using the “Buy Now, Pay Later” option?

Walmart does not permit the usage of “Buy Now, Pay Later” for all types of merchandise. These services are only applicable to the following product types:

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

In order to use the above-mentioned services, you must pay in full upfront for the following product categories at Walmart in order to pay in installments:

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

These financing options are also limited to purchases between $144 and $2,000 in Walmart’s store-branded currency alone.

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

According to Walmart’s official finance partner, Affirm offers flexible payment plans ranging from three to twelve monthly payments at variable interest rates.

Go to and pick the plan that works best for you to use Affirm for in-store purchases (i.e. whether you want to pay in 3, 6, or 12 months).

An individual barcode will be sent to your email address, which you should scan at the Walmart checkout counter once your order has been processed.

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’s online checkout by selecting ‘Affirm’ and filling out the application. If you want to pay by the month rather than in full, you may do so now.

What Credit Score Is Required for Affirm at Walmart?

Credit scores as high as 640 are required by Affirm before they will consider your loan application. If you have a score of 600 or below, Affirm may approve your application.

It’s also a good idea to make timely payments on all your previous loans and limit your credit inquiries to no more than six at a time in order to increase your chances of getting accepted for a loan.

How do you utilize Quadpay at Walmart in-store and online?

In order to use Quadpay, you must have a Visa credit or debit card, and it may be used any place Visa cards are accepted.

The first step to using Quadpay in-store or online is to download the Quadpay app and locate Walmart using the search tool. customers can then proceed by adding products to their shopping carts. On the checkout page, click on “Paid with Quadpay” to see a breakdown of your payment obligations over the next six weeks.

Verifying and agreeing to your plan, you will be provided with a virtual credit card number, expiration date, and CVC to enter at Walmart checkout when Visa card details are required.

Following the processes indicated for online payments, except that instead of adding products to your basket, customers can directly select the amount they must pay for their in-store transaction instead.

To use Quadpay, you just present your phone to an NFC scanner at the checkout counter to complete the purchase and begin financing with the service.

How Do I Use Klarna In-Store And Online at Walmart?

Similar to Quadpay, the process for utilizing Klarna at Walmart may be completed in the same way. You must first download the Klarna app and look for the Walmart shop in the app before you can make a purchase at the store.

To pay with Klarna or pay in-store at Walmart, you must first add things to your cart and then click on “Pay with Klarna.”

It is possible to pay for the purchase in four easy payments, each paid once every two weeks, once you’ve made the original transaction.

Do Walmart’s Quadpay and Klarna Require A Credit Check?

Quadpay and Klarna do not require a credit check. Creating an account on the app is as simple as installing it and signing up for it.

But keep in mind that both organizations will limit the amount of funding you may obtain if you have a history of late payments and excessive borrowing.

How Do You Use PayPal Pay In 4 at Walmart?

PayPal’s Pay in 4 services allows you to pay for your online purchase over four convenient payments from your PayPal balance if you’re making it through

After selecting PayPal as your chosen payment method on’s checkout page before being routed to PayPal, pick ‘PayPal Pay in 4’ as the financing option.

Paying in four equal payments is what PayPal will do for you next, and they’ll put up a payment plan for you to pay off the sum in that time frame.

Do Walmart’s “Buy Now, Pay Later” services include interest fees?

‘Buy Now, Pay Later’ services like Quadpay, Klarna, and Paypal Pay in 4 don’t charge interest. As a result, you’ll have to pay a fee if you choose to Affirm as your preferred finance partner.

See our posts on filling Chime cards at Walmart, withdrawing money from NetSpend at Walmart, and if or not Walmart accepts Western Union and Apple Pay to learn more about these services.

Bottom Line

The ‘Buy Now, Pay Later’ option offered by Walmart is not available in any of the company’s stores or on the internet.

However, it does accept Affirm, Klarna, Quadpay, and PayPal Pay in 4 for consumers who want to pay for their items in installments.

Customer installment payments can be spread out over 3, 6, or 12 months with a low-interest rate using Affirm’s services. Interest-free payments of up to six weeks are available through Quadpay, Klarna, and PayPal.

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