Does Walmart Take Afterpay?

Walmart has become the largest retail store in the United States. The company ranks second on the Fortune 500 list and has over 10,500 stores across the country.

The wide reach of the stores has made a huge impact on local consumerism. Most people think of Walmart when they think of general and everyday items.

But that is not to say that Walmart does not keep expensive and luxurious items. The company is always looking to penetrate more departments and markets.

When it comes to buying expensive and luxurious items, a new trend has been emerging. Most people prefer to use a buy now pay later service such as Afterpay.

This helps them not empty their bank accounts while still allowing them to own their favorite items. Let us find out if Walmart accepts Afterpay.

Does Walmart Take Afterpay in 2022?

Does Walmart Take Afterpay

Afterpay is one of the popular buys now pay later services. The basic idea is that they pay in your stead to the store and then you pay them back eventually over a course of time.

This does take off a lot of financial weightage from the shoulders of the immediate consumer since they don’t have to make hefty payments in one go.

They get some time to keep their cash and handle any emergency expenses that might arise. It is just a very nice convenience financially.

There are many other buys now pay later services operating in the country. The business is seeing wide acceptance among the end consumers. Coming back to the question, Walmart in fact does not accept Afterpay as of 2022.

Can you use Afterpay at Walmart?

Unfortunately, we can no longer use Afterpay at Walmart as of 2022. Walmart stopped accepting Afterpay at all their locations. Therefore you can no longer use Afterpay payment plans at Walmart.

If you are looking to use Afterpay, many other places such as Target stores still accept Afterpay. Walmart does not.

On the other hand, if you are really looking to make a purchase through a buy now pay later service at Walmart, you are not lost on all options. There are still many buy now pay later services that Walmart still accepts. Let us learn more about them.

What buy now pay later services does Walmart accept?

  1. Affirm
  2. Klarna
  3. Quadpay
  4. PayPal Pay in 4

As it must be apparent, the four services are completely separate from each other. This entails that they all have their own plans, terms, conditions, and interest rates. This means you need to go through them and decide which one works best for you. But when it comes to the Walmart side of things, you can rest assured that if you pick one of these four, you will be able to finance that expensive item at Walmart.

We concede that the company has been criticized for not accepting many other popular buys now pay later services similar to Afterpay such as Zip or Sezzle.

Let us learn more about each of the accepted services.


Walmart has the most prominent running partnership with Affirm. Their buy now pays later page actively encourages using Affirm for financing eligible goods at Walmart. Affirm operates best through their apps. Check the official website for plan details, app downloads, and more.


Klarna is another popular buy now pay later service that offers interest-free payments divided into four parts. Klarna aims to make shopping smooth for everyone by providing financial solutions.

Their services can be accessed through their apps links to which can be found on their official website. Klarna has a dedicated page for making purchases at Walmart which can come in handy at any time.


Quadpay, in a similar fashion to Klarna, allows payments in four equal installments. The entirety of their financial services, including signing up and making repayments can be made on their app. Get their app to get started.

PayPal Pay in 4

The online payments behemoth has expanded into the buy now pay later category as well. PayPal’s Pay in 4 services allows you to check out at Walmart easily.

The amount is split into four equal installments. The payment is backed to Walmart by PayPal, is interest-free, and does not affect your credit score.

What items at Walmart are eligible for buy now pay later services?

What items at Walmart are eligible for buy now pay later services

We have to keep in mind that not all items sold at Walmart can be financed through a pay later service. The retail store strictly controls which categories can be financed or not financed. Here is a list of item categories that can be financed:

  • Video games
  • Toys
  • Electronics
  • Musical instruments
  • Home improvement
  • Arts and crafts
  • Sports and outdoors
  • Auto
  • Tools
  • Jewelry
  • Apparel
  • Baby

The official Walmart buy now pay later page lists the categories as well.

What items at Walmart are ineligible for buy now pay later services?

Now that we have seen what items you can get financed at Walmart, it does clear the air a bit more to know exactly what categories cannot be financed. They are listed below:

  • Alcohol
  • Baby consumables
  • Gasoline
  • Groceries and food
  • Merchandise at the register
  • Miscellaneous supplies
  • Money services
  • Personal care
  • Pet supplies
  • Pharmacy, health, and wellness
  • Temporary specialty items
  • Tobacco
  • Weapons, ammunition, air guns, gun accessories, and hunting supplies
  • Wireless service plans
  • 1-hour photo

The official Walmart buy now pay later page lists the categories as well.

In case you are unsure about an item, it is always best to check with Walmart customer care. Find their most updated contact info here. Customer care should be able to answer item or category-specific questions.

Do you need a credit score check at Walmart to pay later?

Do you need a credit score check at Walmart to pay later?

The main point of buy now pays later services is to make the process of shopping as smooth as possible. Asking the customers to go through a credit score at Walmart at the time of purchase defeats the purpose. In other words, no, you do not need to go through a credit score at Walmart to use any of these services.

Instead, you have to go through a credit score and financial check when you sign up for a buy now pay later service such as Klarna or Quadpay.

The main purpose of such a credit score check is to decide on a maximum credit limit on your name. The service will let you know the maximum amount that you can spend at Walmart.

Once you have been through the process successfully, you can easily make your favorite purchases at Walmart as long as you stay within the credit limit.

If you are worried that the credit report might take extra time or involve paperwork, rest assured as the process is totally paperless.

What are the interest rates for buy now pay later at Walmart?

Many people expect to be hit with interest payments and extra charges when they think of using a pay later service to pay for purchases at Walmart. The truth is that pay later services are quite differently structured than the standard loan systems.

As such, your payments are backed to Walmart by your payment service and you do not have to pay any interest or any other extra charges of any kind.

The repayment period might be different for different services, but there is no interest involved. The only things you have to keep in mind are paying back on time and spending within the credit limit.

As long as you are following these two, you don’t have to worry about any interest rates or hidden fees. In fact, not even your credit scores will reflect any effects.

Read Also: Does Walmart Accept Samsung Pay?


The bottom line is that if you are specifically looking to pay at Walmart using Afterpay, it’s tough luck. As we learned, Walmart does not accept Afterpay as of 2022.

We did mention many other buys now pay later services that are still accepted by Walmart. If you are looking to get an expensive purchase financed at Walmart, it is best to check out these four.

We provide official links to all four acceptable payment services. There are many advantages to financing an expensive purchase at Walmart.

The most important is that you will have cash saved up with you to handle any unexpected costs or emergency situations.

Buy now pay later services are gaining a lot of traction because of smooth and easy shopping for a huge section of the society. Signing up on the apps is easier than learning to crack an egg.

Frequent Asked Questions

What payment plans Does Walmart accept?

Walmart currently has partnered with four payment services for buy now pay later facilities at their stores. Their most widely pushed plan is called Affirm.

It is important to realize however that Affirm is an independent financing company, not exactly a product that is offered by Walmart themselves.

If you are not comfortable with Affirm, there are three other services we mentioned which will work just as well. It depends on your personal tastes and preferences which one you pick.

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