Question 1

What items are eligible?

Accepted Answer

OnePay Later is available on eligible Walmart purchases.Eligible categories include:• Entertainment• Home • Apparel• Jewelry• Automotive• Sports and outdoors• Lawn & Garden• Toys• Baby durable goods• Hearing aids and durable medical devices• Vision Center⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯Certain categories are ineligible for OnePay Later, 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 CardsThese 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.

Question 2

Can I pay off my purchase early?

Accepted Answer

Yes—there’s no penalty for paying early.

Question 3

How do I make my payments?

Accepted Answer

You can make individual payments and set up autopay using the OnePay website or app (available on iOS and Android). OnePay will also send reminders before payments are due.

Question 4

Are there any impacts to my credit score?

Accepted Answer

There are no impacts to your credit score when you apply. Klarna & Bank Partners perform a soft credit check which does not affect your credit score & will not be visible to other lenders. Klarna shares information about loans & your repayment activity with credit bureau. TransUnion, such as if you pay on time, or make late payments or fail to pay. For now, the shared data will not impact your score, as it is only visible to you. Other institutions currently are not able to view the payment history on your loan/s

Question 5

Can I return an item I purchased with OnePay Later?

Accepted Answer

Yes, you can return an item you bought with OnePay by starting the return process with Walmart.

Question 6

Do I need a mobile number or SSN to apply?

Accepted Answer

You’ll need a U.S. phone number and a tax ID or SSN.

Question 7

Where can I learn more about OnePay?

Accepted Answer

You can visit onepay.com/help-center

Question 8

If I make a purchase in a store, what happens if I spend less than the amount I am approved for?

Accepted Answer

Your loan will be reduced to the amount that you actually spend, and you’ll only be charged based on that amount.

Question 9

How does OnePay Later work with Klarna?

Accepted Answer

OnePay has partnered with Klarna to bring you a buy now, pay later option at Walmart. Now you can choose to pay over time, in-store & online, with plans powered by Klarna. Learn more information about Klarna. Loans available through Klarna & OnePay are issued by WebBank.

Rollbacks & More

College Shop

Back to School

Grocery

Clothing, Shoes & Accessories

Baby & Kids

Pharmacy, Health & Wellness

Home, Garden & Tools

Electronics

Gaming & Movies

Auto & Tires

Personal Care

Beauty

Toys & Outdoor Play

Household Essentials

Pet Supplies

School, Office & Art Supplies

Sports & Outdoors

Collectibles

Books

Music

Party Supplies

Resold

Auto Care Services

Pharmacy

Health Services

Vaccines

Vision Center

Benefit Programs

Insurance Services

Lists

Registries

Gift Cards

Spark Good

Custom Cakes

Custom Cupcakes

Featured

Photo Gifts

Spend

Save

Borrow

Manage

Protection Services

Home & Tech Services

Subscriptions

Subscription Products

Walmart Business

Industry solutions

It’s easier in the app

Pickup & Delivery

Get inspired

OnePay Later

The flexible way to pay

Buy what you want with more time to pay.¹ Powered by Klarna

OnePay Later

Apply at checkout

Select your plan

Check out & enjoy

Consider your cart covered

FAQs

What items are eligible?

Can I pay off my purchase early?

How do I make my payments?

Are there any impacts to my credit score?

Can I return an item I purchased with OnePay Later?

Do I need a mobile number or SSN to apply?

Where can I learn more about OnePay?

If I make a purchase in a store, what happens if I spend less than the amount I am approved for?

How does OnePay Later work with Klarna?

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