How To Use Affirm at Walmart? (+ Other Common FAQs)

As one of the biggest retail stores in the US, Walmart has gained an immense reputation for looking out for the welfare of its consumers.

With the ever-growing popularity of Walmart’s Affirm, most customers often inquire about how to use the service. Well, if you’re seeking answers, read on to find out how!

How Do You Use Affirm at Walmart?

You can use Affirm at Walmart as a payment method by applying for an Affirm loan. Once the loan is approved and loaded to your virtual card, you can pay for eligible products in-store or online at Walmart. Also, Affirm provides payment plans between three and 24 months with interest rates between 0-30% APR.

If you want more information on how to use Affirm at Walmart’s stores and, how to qualify for Affirm at Walmart, and other common questions on Walmart’s Affirm, keep reading!

Does Walmart Accept Affirm In-Store?

Yes, Walmart allows customers to use Affirm as a payment option when shopping in-store.

Additionally, with Affirm, you can now make installment payments for purchases made at Walmart stores.

How Can I Use Affirm In-Store at Walmart?

To use Affirm for in-store purchases at Walmart, you have to apply for a loan through or Walmart and pick your desired payment plan.

Once you get approval, you can scan the single-use barcode provided at the register and make your loan repayment online with Affirm.

What Do I Need To Qualify For Affirm at Walmart?

To qualify for Affirm at Walmart, Affirm will consider your previous loan with Affirm, your credit score, the merchant’s available interest rate, and how long you have had an Affirm account.

Also, in case your Affirm for Walmart application is not approved, Affirm will email you with detailed explanations.

What Is a Walmart Affirm Virtual Card?

A Walmart Affirm virtual card is a virtual card loaded with your loan amount once your Affirm loan is approved through the app or on

Additionally, the Affirm virtual card is for one-time use only and can be used to pay for online and in-store purchases at Walmart.

Moreover, it’s important to note that the virtual card expires 24 hours after issuance and can be canceled at any time before it expires.

In both instances, you won’t owe Affirm anything if you don’t use any amount from the Walmart virtual card.

Furthermore, any unused amount on the virtual card will not be part of the repayment plan after purchase.

How Do You Use Affirm Virtual Cards at Walmart?

Once your Affirm virtual card is loaded with your loan money, you can use it as a payment option at Walmart by selecting the credit card option and then “Affirm.”

Also, you can access the virtual card to make payments through the Affirm app, your Affirm account online, or through the confirmation message sent after your virtual card request is approved.

Moreover, you can use Affirm Virtual Card to complete online payments at using the following steps:

  1. Go to the checkout section.
  2. Select “Credit Card” as the payment option.
  3. Enter the provided virtual card number (usually 16 digits).
  4. Enter your billing address.
  5. Complete the checkout!

What Can I Use Affirm For at Walmart?

Affirm is a payment method at Walmart for items like furniture, electronics, sporting goods, automotive, apparel, jewelry, toys, etc.

Also, Affirm may not pay for items not included on Affirm’s eligible product list.

Can You Use Affirm To Buy Groceries at Walmart?

Unfortunately, you cannot use Affirm to buy groceries at Walmart.

So, while customers can use Affirm as a payment option for goods ranging from $150-$2000, some items such as groceries, alcohol, tobacco, pharmacy, firearms, and personal care are not eligible for Affirm.

What Is My Walmart Payment Schedule With Affirm?

What Is My Walmart Payment Schedule With Affirm?

Your cart total at Walmart and individual eligibility will determine your Affirm payment schedules.

For instance, a cart between $144-$799 may attract a payment plan for three, six, or even 12 months.

On the other hand, purchases ranging from $800-$2000 may attract 12, 18, or 24-month payment plans.

Therefore, depending on the cart total and eligibility, the payment plan can range from three to 24 months.

Does Walmart Affirm Affect Your Credit?

No, creating an account with Walmart Affirm will not affect your credit score. However, if you default payments for an Affirm loan, your credit score may be impacted in the long run.

So, since making payments with Affirm means that you’re accepting a loan, failure to make timely payments is likely to damage your credit score.

Unfortunately, Affirm cannot help to better your credit score since it does not report the timely payment to major credit bureaus.

Do I Need a Good Credit Score To Qualify For Affirm at Walmart?

You do not necessarily need a good credit score to qualify for Affirm at Walmart, but Affirm will

perform a soft credit check.

That said, even though Affirm doesn’t set a minimum credit score, most credit scores above 640 are likely to receive approval for Affirm loan requests.

Also, it’s important to note that low credit scores may disqualify you for promotions like 0% APR financing at Walmart.

What Fees and Interest Rates Does Affirm at Walmart Charge?

Depending on your eligibility and the eligibility of your purchase, Affirm at Walmart will have between 0% – 30% APR.

With that, the best thing about Affirm at Walmart is that it will always show you the exact term and the interest amount beforehand.

Apart from the APR, Affirm at Walmart doesn’t charge extra fees such as late fees, annual fees, prepayment fees, hidden fees, and service fees.

To learn more about Walmart, you can also see our posts on whether or not Walmart takes Apple Pay, how to get free stuff at Walmart, and if Walmart takes coupons.

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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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