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

Various ‘Buy Now, Pay Later’ services such as Afterpay have made it convenient for people to purchase expensive items without having to empty their accounts to pay the full price.

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 & Other ‘Buy Now, Pay Later’ Services?

Walmart does not accept Afterpay as of 2024, however, Walmart does accept another buy now, pay later service including Affirm, Quadpay, Klarna, and PayPal Pay in 4. Walmart customers can use Affirm to pay in 3, 6, or 12-month installments or use the other services to pay in 4-6 weeks.

If you want to learn more about the type of items you can finance through these services, the process for using each service, and whether you have to pay any interest, keep on reading!

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

Walmart accepts the following ‘Buy Now, Pay Later’ services:

  • Affirm
  • Klarna
  • Quadpay
  • PayPal Pay in 4

Although the process, terms, and conditions for using each service are different, you can use any of these to finance the purchase of an expensive item at Walmart (see below for more information).

Unfortunately, you cannot use other popular services such as Afterpay, Zip, or Sezzle to finance your purchases since these are not affiliated with Walmart.

What Items Can You Buy At Walmart With ‘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. You can only use these services for the following product categories:

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

  • 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

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)?

Affirm is Walmart’s official financing partner and allows customers to pay for their purchases in 3, 6, or 12-month installments with varying rates of interest.

To use Affirm to finance your purchase in-store, head over to and select your desired plan (i.e. whether you want to pay in 3, 6, or 12 months). 

Once you have done that, you will receive a one-time barcode that you should scan at the checkout counter when you are prompted to make the purchase for the item you are buying from Walmart.

After that, you can sit back and pay the monthly installments to Affirm until you have paid back the amount in full.

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.

What Credit Score Do You Need To Use Affirm At Walmart?

What Credit Score Do You Need To Use Affirm At Walmart?

You need to have a credit score of 640 or higher for Affirm to accept your application for a loan. In some cases, Affirm does accept applications for scores as low as 600.

Additionally, you can improve your chances of getting a loan approved by making sure you are paying all your pending installments on time, and have no more than 6 inquiries at once. 

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

Quadpay allows you to split your payment into 4 installments paid over a period of 6 weeks and can be used anywhere Visa cards are accepted.

To use Quadpay in-store or online, the first step involves downloading the Quadpay app and locating Walmart inside the app through the search feature.

Next, you should add items to your cart if you are buying online through 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 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.

For in-store purchases, you should follow the same steps outlined for online payments except that instead of adding items to your cart, you can directly specify the amount you have to pay for your in-store purchase.

Once you get the virtual credit card ready in the app, you can bring your phone close to an NFC reader at the checkout counter to complete the transaction and start your financing with Quadpay.

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

The process for using Klarna at Walmart is similar to the method for Quadpay. You have to first install the Klarna app and search for the Walmart store inside the app.

Once there, you can either add items to your cart and proceed to ‘Pay with Klarna’ or specify the total amount you want to pay in-store at Walmart.

Once you have completed the initial transaction, you will have the freedom to complete the purchase through 4 easy installments, with each paid once every 2 weeks.

Do You Have To Undergo A Credit Check To Use Quadpay Or Klarna At Walmart?

You don’t have to go through a credit check to use Quadpay or Klarna. You can get started easily by downloading the app and signing up for an account.

However, note that both companies will restrict the amount you can finance if you develop a bad history of late payments and excessive financing.

How Can You Use PayPal Pay In 4 At Walmart?

If you are buying online through, you can use PayPal’s Pay in 4 services to complete your purchase in 4 easy installments from your PayPal balance.

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.

After that, PayPal will set up an installment plan where a set amount will be deducted from your PayPal balance at a set frequency until you have completed the payment in 4 installments.

Do You Have To Pay Interest For ‘Buy Now, Pay Later’ Services At Walmart?

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 other posts on loading Chime cards at Walmart, NetSpend withdrawals at Walmart, and also whether or not Walmart has Western Union and Apple Pay.


Unfortunately, Walmart does not accept Afterpay as a ‘Buy Now, Pay Later’ service at any store or online. However, it does accept Affirm, Klarna, Quadpay, and PayPal Pay in 4 for customers looking to finance their purchases in installments.

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.

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of

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