Does Walmart Offer Afterpay? No, Find Indirect Options

Last updated: 12 Jan, 2024 |
Does Walmart Offer Afterpay No, Find Indirect Payment Options

The convenience of “buy now, pay later” has taken the retail world by storm, and shoppers are curious about which stores participate. So, let’s answer the burning question: Does Walmart Offer Afterpay?

Short answer: Unfortunately, Walmart does not currently accept Afterpay as a payment method, either online or in-store.

However, alternative “buy now, pay later” options are available at Walmart and other helpful financing solutions such as Affirm, Klarna, and Walmart credit cards.

What is Afterpay?

Afterpay is a “buy now, pay later” service that allows shoppers to split their purchases into four interest-free payments.

Why doesn’t Walmart accept Afterpay directly?

The specific reasons for Walmart’s decision not to accept Afterpay directly are not publicly disclosed. However, it’s likely due to a combination of factors, such as:

  • Partnership agreements with other “buy now, pay later” providers
  • Cost considerations
  • Risk management strategies

What are the benefits of using Afterpay?

  • Allows for more manageable payments
  • It can help you budget for larger purchases
  • Often doesn’t require a credit check

What are the drawbacks of using Afterpay?

  • Late fees can be incurred if payments are missed
  • Can encourage overspending
  • All retailers may not accept it.

Alternatives to Afterpay at Walmart

Affirm: This is the closest equivalent to Afterpay at Walmart. You can use Affirm to finance online and in-store purchases in equal installments throughout 3 to 46 months. Interest rates vary depending on the loan amount and term, but Affirm prides itself on transparency and showing you the total cost upfront.

Klarna: While not an authentic “buy now, pay later” service, Klarna offers a “Pay in 4” option at checkout. This allows you to split your purchase into four equal payments, due every two weeks. Unlike Affirm, there are no interest charges if you make your payments on time.

Walmart Layaway: This classic option lets you reserve an item and make payments on it over time until it’s fully paid off. You must put down a 10% deposit and make payments every two weeks. After your final payment, you can take your item home.

Zip (formerly Quadpay): Add your Zip virtual card number to the Walmart app, converting your BNPL limit into Walmart spending power. Remember, this method isn’t officially supported and might have limitations.

PayPal, a household name in online transactions, is also a BNPL option at Walmart. While not offering installment plans like Affirm, you can utilize PayPal’s Pay in 4 feature for eligible purchases, spreading the cost over 6 weeks with no interest or fees.

Factors to Consider When Choosing a Financing Option

Cost: Compare interest rates and fees associated with each service. Affirm offers transparent upfront costs, while Klarna charges late fees. Layaway has no interest but requires a deposit.

Eligibility: Each service has different eligibility requirements. Affirm and Klarna may require a credit check, while Layaway is usually more accessible.

Purchase size: Affirm and Klarna have minimum and maximum purchase amounts, while Layaway is often flexible for more oversized items.

Convenience: Consider how easily you can manage your payments and track your purchases with each service.

Additional Services at Walmart

Walmart Credit Cards: Walmart offers two store credit cards, the Capital One Walmart Rewards Mastercard and the Capital One Walmart Mastercard. These cards offer perks like cash back, discounts on Walmart purchases, and extended warranties.

Gift Cards: You can purchase Walmart gift cards online or in-store to pay for your purchases. This can be a good option if you’re concerned about managing credit or don’t qualify for other financing options.

While Walmart Doesn’t Accept Afterpay Directly, Here Are Your Workarounds

While Walmart doesn’t currently accept Afterpay as a direct payment method, a few workarounds can help you use Afterpay to make your Walmart purchases.

Here’s how to use Afterpay for indirect payments at Walmart

Purchase a Walmart gift card through Afterpay

  1. Open the Afterpay app or website.
  2. Navigate to the gift card section and select Walmart.
  3. Choose the desired gift card amount.
  4. Select yourself or a friend as the recipient.
  5. Complete the purchase using Afterpay’s payment plan.
  6. Apply the gift card to your Walmart purchases online or in-store.
While Walmart Doesn't Accept Afterpay Directly, Here Are Your Workarounds

Explore other “buy now, pay later” options

Walmart accepts alternative “buy now, pay later” services, such as:

These services offer similar payment plans, allowing you to spread out the cost of your purchase over time.

How do you use these options for buying?

Using Affirm at Walmart

  1. Add eligible items to your cart and proceed to checkout.
  2. Select Affirm as your payment method.
  3. Enter your information and get a quick decision on your application.
  4. Choose a payment plan that fits your budget.
  5. Complete your purchase and enjoy your items while paying over time.

Credit Score Requirements for Affirm at Walmart:

To use Affirm at Walmart, you typically need a credit score of at least 640. However, having a co-signer with good credit might still grant you access if your score falls below the threshold.

Exploring Quadpay at Walmart

  1. Download the Quadpay app on your phone and create an account.
  2. Shop and add items to your cart.
  3. Choose Quadpay at checkout and select your payment plan.
  4. Enjoy your purchases!

Fees Associated with Quadpay at Walmart:

Quadpay doesn’t charge interest at Walmart. However, a $15 late fee applies if you miss a payment. Responsible repayment is key!

Klarna at Walmart

  1. Download the Klarna app on your phone and create an account.
  2. Choose your desired items and add them to your cart.
  3. Select Klarna at checkout and choose your payment plan.
  4. Happy shopping!

Using PayPal Pay in 4 at Walmart

  1. Link your PayPal account to your account.
  2. Choose PayPal as your payment method at checkout.
  3. Enter your PayPal login information.
  4. Confirm your order and enjoy your purchases!

What Can You Buy with BNPL at Walmart?

Products Eligible for BNPL

Not all products at Walmart are eligible for purchase using BNPL services. Here are the general categories of products that can be purchased with BNPL:

  • Toys
  • Jewelry
  • Baby items
  • Video games
  • Musical instruments
  • Electronics
  • Sports & Outdoors
  • Home Improvement

Products Not Eligible for BNPL

Products that typically cannot be purchased using BNPL at Walmart include:

  • Alcohol
  • Checkout counter merchandise
  • Personal care items
  • Pet supplies
  • Money services
  • Wireless service plans
  • Groceries and food
  • Baby consumables

Understanding the Exclusions

It’s important to remember that not everything at Walmart qualifies for BNPL magic. Specific categories, like groceries, alcohol, and baby food, are typically excluded from these financing options.

Additionally, purchases below $150 or exceeding $2000 won’t be eligible for Affirm installment plans.

Alternative Stores That Accept Afterpay

If you’re looking to use Afterpay specifically, here are a few popular stores that accept it:

  • The Iconic
  • Kmart
  • Surfstitch
  • Mimco
  • Shein
  • Country Road
  • BCF
  • Target
  • Bing Lee
  • Platypus Shoes
  • Foot Locker
  • David Jones
  • Sephora
  • Culture Kings
  • Adore Beauty

Closing Thoughts

While Afterpay might be absent from Walmart’s aisles, a diverse array of BNPL options awaits savvy shoppers. From the convenience of Affirm’s installment plans to the familiar comfort of PayPal’s Pay in 4, navigating Walmart’s BNPL landscape opens doors to responsible budgeting and flexible purchasing power.

Just remember to check exclusions and repayment terms before swiping, and enjoy the satisfaction of stretching your shopping sprees without breaking the bank.

Frequently Asked Questions

Can I split payments on Walmart?

Yes, you can split payments on Walmart using Walmart Pay. This allows you to divide your purchase across multiple payment methods, including cash, EBT/SNAP/WIC, or Walmart Gift Card balances.

What are some other BNPL services similar to Afterpay?

While you can’t use Afterpay at Walmart, several other BNPL services offer similar options. These include:

  • Sezzle
  • PayPal Credit
  • Klarna
  • Splitit
  • Affirm
  • Quadpay
  • PayPal
  • GoCardless

Does Walmart accept Afterpay gift cards?

Yes, you can purchase an Afterpay gift card and use it to buy items at Walmart. However, you won’t be able to use Afterpay to split the gift card cost.

Can I use Afterpay for online purchases at Walmart?

No, Afterpay is not currently accepted as a payment option for online purchases at Walmart.

Does Walmart offer any other buy now, pay later options?

In addition to Affirm, Walmart offers a credit card with special financing options, including 0% interest for a limited time on select purchases.

Does Walmart offer Afterpay?

No, Walmart does not currently accept Afterpay as a direct payment option. However, you can use Afterpay to purchase Walmart gift cards through the Afterpay app or website. These gift cards can then be used to purchase on or in-store.

Does Walmart have a “pay in 4” option?

Yes, Walmart offers a “pay in 4” option through Affirm, a third-party financing service. You can choose Affirm as your payment method at checkout and split your purchase into four equal installments, typically due every two weeks.

Does Target accept Afterpay?

Yes, Target accepts Afterpay for online purchases made on or through the Target app. You can choose Afterpay as your payment method at checkout and split your payment into four interest-free installments.

Can you use Afterpay at Amazon?

No, Amazon does not currently accept Afterpay as a payment method. However, you can use Afterpay to purchase Amazon gift cards, which can then be used to make purchases on


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Faisal Mian

With a decade of experience as a manager, advisor, and marketer in the retail and consumer service sector, I understand the intricacies of the shopping landscape. I’m committed to delivering valuable insights to enhance your shopping endeavors.

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