Walmart.com Monthly Payments

Walmart is changing its Buy Now Pay Later program to be offered by OnePay Later powered by Klarna. OnePay Later powered by Klarna is a new lending payment option available on qualifying purchases at Walmart. You may start to see the OnePay Later product throughout your shopping journey on Walmart.com. Please visit OnePay Later and how to use it on your next purchase.

You can continue using Affirm to checkout if you see it as an option on Walmart.com. Please visit affirm.com or the Affirm App for more information on Affirm.

OnePay Later powered by Klarna is a “Buy Now, Pay Later” financing option that allows customers to make purchases between $50 and $6,000 and pay over time in fixed monthly installments ranging from 3 to 36 months on qualifying items and baskets. Eligibility is determined at checkout by Klarna and is based on several factors, including a soft credit check and information you provide in your application. Not currently available in West Virginia and Nebraska. Please visit link to learn more about OnePay Later and how to use it on your next purchase.

No. Affirm and OnePay are separate companies with separate offerings and policies.

No, nothing is changing with your outstanding loan with Affirm. All loans outstanding with Affirm should continue to be paid back through Affirm only. Please visit affirm.com or the Affirm App for more information on Affirm.

You can return an item you bought with Affirm by initiating the return process with Walmart.

Yes—there’s no penalty for paying early.

You can make or schedule payments at Affirm.com or in the Affirm app for iOS or Android. Plus, Affirm will send you email & text reminders before payments are due.

No, checking your eligibility won’t affect your credit score.

Affirm financing is available on eligible Walmart purchases. Eligible categories include:

• Entertainment

• Home

• Apparel

• Jewelry

• Automotive

• Sporting Goods

• Lawn & Garden

• Toys

• Baby durable goods

• Hearing aids and durable medical devices

• Vision Center

Certain categories are ineligible for financing, including:

• Alcohol

• Baby consumables

• Gasoline

• Groceries & food

• Tobacco

• Weapons & accessories

• Pharmacy, health & wellness

• Pet consumables

• Personal care

• Money Services

• Wireless service plans

• 1 hour photo

• Gift Cards

These Walmart.com categories are non-comprehensive and subject to change without notice. To purchase any finance-ineligible items, you'll need to provide an alternative form of payment.

Yes, you can return an item you bought with Affirm by initiating the return process with Walmart.

Yes, you’ll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it’s really you creating your account & signing in.

You can visit Affirm.com.

0% APR is a promotional financing offer that is specific to certain Walmart.com products for a limited time. For items that do not qualify for 0% APR financing, your APR rate will be between 10–36%, depending upon your credit. The exact terms you qualify for will be shown when you check out with Affirm.

Affirm may offer special financing as low as 0% APR on select Walmart.com products. This means you may be able to make monthly payments with no interest with Affirm. When you are browsing products on Walmart.com, certain items may be labeled as offering 0% APR with Affirm. Items eligible for interest-free financing are subject to change. Currently, the 0% APR, interest-free financing program with Affirm is only available on Walmart.com.