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

If you're wondering whether Walmart accepts Afterpay and other “buy now, pay later” services? Then, this guide is for you. Read on.

“Buy now, pay later” payment services are becoming more and more popular among shoppers. After all, these are great ways to pay for designer Valentino boots and other expensive items at different stores without emptying their bank accounts.

So, since you can use these different services like Afterpay and Quadpay in a variety of stores, you may be wondering if Walmart accepts Afterpay?

As one of the biggest retailers in the world, Walmart serves a lot of customers. And to do that, they need to accept a bunch of different payment options. But are “buy now, pay later” services a valid payment option at Walmart?

The answer is fairly complicated. While Walmart does have different “buy now, pay later” options for its customers, they don’t accept all of these services in their stores or on their website.

So, we’ve done all the research so you won’t have to. In this comprehensive guide, we go through whether or not Walmart accepts Afterpay, what kind of “buy now, pay later” services the store will accept, and even how to use these payment options for your next Walmart purchase.

Read on to learn more.

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Does Walmart Have Afterpay?

Walmart Store 2

Currently, Walmart will not accept Afterpay payment options at their stores. With that said, that doesn’t mean that customers can’t pay off their bills with these “buy now, pay later” payment options.

When shopping at Walmart, customers can use a variety of these payment options, but not Afterpay specifically. Instead, they have to opt for other choices such as Quadpay, PayPal Pay in 4, and Affirm, which is Walmart’s financing partner.

Does Walmart Accept Quadpay?

Among the different “buy now, pay later” payment options available for Walmart shoppers is Quadpay. If you have a Quadpay account, you can set up the different installment and financing options for purchases at Walmart.

Aside from that, customers can also use Affirm, PayPal Pay in 4, and Klarna to pay for their purchases at Walmart. However, keep in mind that each of these services offers different rates and terms for the financing.

So, before paying for your bills with Quadpay, Affirm, Klarna, or any other of these “buy now, pay later” options at Walmart, we recommend thoroughly reading the terms of the service to get a clear idea of how much you will have to pay in total.

With that said, these are the only financing options available to Walmart customers. If you wish to use Afterpay, Zip, and Sezzle for your purchases, you can’t go to Walmart as they don’t accept these payment options.

How To Use “Buy Now, Pay Later” Walmart

BNPL Buy now pay later online shopping service on smartphone. Online shopping. Paying after delivery. Complete the payment after purchase at no added cost. Payment after credit check. Easy way to shop online. Afterpay service

There are currently four “buy now, pay later” options available for Walmart customers. These are Affirm, Quadpay, Klarna, and PayPay Pay in 4. As these are four different payment services, using these services at Walmart can be different depending on the service you’re using.

So, to make it simpler here is how to use the four different options to pay for your items at Walmart;

Paying With Klarna Walmart

You can use Klarna to pay for in-store and online purchases at Walmart. To do this, you first need to download the Klarna app on your phone. From there, you can open the app and look for the Walmart store.

After proceeding to the Walmart store option, you can either add the items you’re buying or input how much you plan on paying Walmart. Once the transaction is finished, you can complete the payment through 4 installments which are billed to you every two weeks.

Paying With Quadpay Walmart

Just like Klarna, all you have to do to pay for Walmart purchases with Qudpay is install the app. Unlike other “buy now, pay later” options, you don’t need to go through a credit score check with Quadpay or Klarna, which is why it’s such a popular option for customers.

So, if you have the Quadpay app, all you have to do is open it and look for the Walmart store. From there, the app will guide you through the process of finalizing your installment.

With Quadpay, you can choose between a variety of installment plans. Once you choose the plan, you will get a virtual credit card number that you can use for purchases. On the Walmart website, there is a “pay with Quadpay” option when choosing your payment method, which can make the process much easier.

When checking out of the Walmart website and paying with Quadpay, you get to view all the details of the 6-week installment plan, including how much you have to pay and how often you have to make payments.

While you don’t have to go through credit checks with Klarna and Quadpay, keep in mind that you can be barred from making transactions if you have a bad history of making payments. So, make sure that you make each and every payment to these services to continue using them.

Paying With Affirm Walmart

Affirm is directly partnered with Walmart, so customers get more installment options when going through Affirm. However, before you’re approved for financing with Affirm, you need to go through a credit check, and if you have a low credit score, they may not allow you to pay through financing.

With Affirm, you can choose between 3, 6, and 12-month installment plans at Walmart. There are many variables that go into the interest rates for these plans, which largely depend on your credit score, what you plan to buy, and other things.

For in-store purchases, you go to this link on the Affirm website which shows you the available installment plans for Walmart purchases. If approved, you will be given a digital barcode that you scan upon checkout with your item.

For online purchases, there is an option to use Affirm at checkout. Simply click on that option, view the different installment plans available, choose the one for you, and proceed to checkout.

Since Affirm has partnered with Walmart, they have made it easier for people to use the service for Walmart purchases. However, keep in mind that you will need to go through a credit check before getting approved for financing through Affirm.

Paying With PayPal Pay in 4 Walmart

With this PayPal service, you can pay for your purchase in 4 different installments. To use this payment option at Walmart, you need to go to the Walmart website and shop for your items. When at the checkout page, you can select “PayPal” as your payment option.

From there, you can select PayPal Pay in 4 to view the options available to you. PayPal will then set up an installment plan and set an amount that will automatically be deducted from your PayPal account on the agreed-upon dates.

What Can I Buy With “Buy Now, Pay Later” Walmart?

Motion of woman buying frozen fruits inside Walmart store

There are a variety of different items you can buy with these payment options. However, keep in mind that Walmart has a policy on which items can be paid for with “Buy now, pay later”, which excludes a fair amount of categories.

With that said, here is a quick list of the different item categories that you can pay for with “buy now, pay later” payment services at Walmart;

  • Electronics
  • Toys
  • Video games
  • Sport & outdoors
  • Arts & crafts
  • Auto parts
  • Tools
  • Jewelry
  • Clothing and apparel
  • Musical instruments
  • Home improvement products
  • Baby essentials

This is a fair amount of categories, and it does give customers a fair amount of flexibility when it comes time to pay for services at Walmart. However, for the following products, you have to pay the full amount up-front as they aren”t available for “buy now, pay later”;

  • Money supplies
  • Pet supplies
  • Baby consumables
  • Gasoline
  • Alcohol
  • Specialty items
  • Pharmacy, health, and wellness items
  • Tobacco
  • Weapons and ammunition
  • Groceries and food
  • Personal care
  • Wireless services
  • Merchandise at the checkout counter
  • 1- hour photos

When paying with “buy now, pay later” options at Walmart, the purchase has to cost you between $144 and $2,000. For bills outside this range, the “buy now, pay later” options aren’t available.

What Is Affirm At Walmart?

Affirm is Walmart’s official financing partner. While they are just one of the four different “buy now, pay later” financing options for Walmart customers, they are the ones directly partnered with the store.

Because of that, they can offer a variety of 3, 6, and 12-month installment plans. That way, customers can easily find just the right option for their needs and means. To use Affirm at the Walmart store, you need to proceed to their website and follow the instructions from there.

However, for online purchases, you can use Affirm by simply clicking on the payment option on the checkout page. From there, you will be shown all the different installment options available for you.

While Affirm offers a lot of variety when it comes to installment plans, you need to undergo a credit check before you’re approved. So, this is best recommended if you have a healthy credit score as poor credit scores may cause your plan to be rejected and you have to opt for other payment options.

What’s The Minimum Credit Score To Use Affirm At Walmart?

For Affirm installment plans at Walmart, customers need a credit score of at least 640. However, this is on a case-to-case basis as there are some customers who may be approved for installment plans with credit scores as low as 600. But to be safe, we recommend applying for Affirm installments if you have a credit score of 640 or higher.

If you have other installments at the moment, you can still apply for Affirm. On top of that, you can enhance your chances of getting approved by making sure you make all your current installment payments on time and have no more than 6 inquiries at a time.


As of 2023, you can”t use Afterpay at Walmart. However, customers have other options for “buy now, pay later” as Walmart accepts Affirm, PayPal Pay in 4, Klarna, and Quadpay installement options both in-store and online.

However, keep in mind that to be approved for an Affirm installement, you have to undergo a credit check and have a healthy credit score.

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Arthur Beringer

Arthur graduated in 2002 with a Master's in Business Administration from LSU Alexandria. After working in the retail industry for almost 20 years, he decided to quit and write full-time to help readers who are searching online for consumer-related answers.