Currently, Walmart is the world’s largest retail chain with over 11,700 stores in 28 countries. It sells a huge variety of products both online and offline, which is why tens of thousands of people shop there every day. Afterpay is currently a fairly popular way to pay for goods and services with the possibility of convenient payment for purchases in installments. So many customers are wondering, does Walmart accept Afterpay? Keep reading to find out the details.

Can I Use Afterpay At Walmart?

So, since a lot of people are wondering does Walmart use afterpay, it’s time to answer this question. As of 2021, Walmart no longer accepts afterpay. However, you should also be aware that at the moment the company still offers various purchase now, process later options. These include Klarna, Affirm, Quadpay and PayPal Pay in 4. For example, Walmart customers can use Affirm to pay in 3,6 or 12 month installments.

Another method that customers can use is Care Credit, as this service is now available in-store for all health and wellness products. Unfortunately, customers cannot use Afterpay, Sezzle or Zip to pay at Walmart as they have not been linked with Walmart since 2021.

What Items Can I Buy With Walmart Using the “Buy Now, Pay Later” Option?

Surely you understand that you can use this service only for certain categories of products. Currently this includes toys, video games, jewelry, musical instruments, sports and outdoors, home improvement and electronics.

It is important to remember that the “buy now, pay later” option is not available for all products. For example, you cannot use this service to pay for personal care, pet supplies, alcohol, checkout counter merchandise, groceries and food, money services and baby consumables.

How Can You Use Affirm to Make A Purchase At Walmart?

Even though Walmart doesn’t do Afterpay, store customers can still use Affirm to fund their Walmart purchases. At the moment, Affirm is an official financial partner of Walmart, so buyers can pay for their purchases in Installments for 3, 6 or even 12 months. Interest rates may vary.

So, in order to use Affirm to make a purchase in the store, you need to go to and choose one of the options – 3, 6 or 12 months. After you do this, you will be able to receive a one-time barcode which will need to be scanned at the checkout when you make a purchase.

So, then you will only need to make monthly payments to Affirm until you fully pay off the debt in accordance with the terms of the Installment Plan.

If you are making a full online purchase through, all you have to do is click on the “confirm” button on the checkout page and you will then complete the loan application. So, just like buying from a store, you will need to make regular monthly payments.

Important! You will need to have a credit score of 640 or higher in order to be eligible for an Affirm Credit. In some cases, Affirm also accepts applications with a credit score of 600. You can also increase your chances of getting approved by making sure you are paying all your pending installments on time and have no more than 6 inquiries at once.

How Can You Use QuadPay At Walmart?

Currently, Quadpay allows people to split the payment into 4 payments within 6 weeks. You can use Quadpay wherever Visa cards are accepted.

In order to use Quadpay in store or online, you will need to download the Quadpay app and search for Walmart using the search function. If you choose items online through, add them to your cart and select “pay with Quadpay” on the checkout page. Next, you can view the details of the 6-week payment plan.

Once you have verified the information and agreed to the selected plan, you will need to enter your virtual credit card details.

If you are buying items in a store, you will need to follow the same steps as for Online Payments, however, instead of adding items to your cart, you can enter the amount that you have to pay for the purchase in the store.

So, once your virtual card in the app is ready to use, you can bring your phone to an NFC reader at the checkout to complete the transaction.

How Can I Use Klarna For Shopping at Walmart?

In fact, the process of using Klarna to shop at Walmart is almost the same as using Quadpay. You will also need to download the app and search for Walmart. Next, you will also select the products you want to buy and click on the “pay with Klarna” button, or enter the total amount you want to pay at the Walmart store.

After you complete the transaction, you will need to complete the purchase with 4 payments, each of which is paid once every 2 weeks.

Do You Have to Pay Interest on Buy Now Pay Later Services At Walmart?

You should be aware that you do not have to pay interest on “Buy Now Pay Later” services such as Klarna, PayPal in 4 and Quadpay. However, you will have to face interest rates if you use Affirm.

What Stores Take Afterpay?

Even though you can’t use Afterpay at Walmart right now, there are a huge number of stores where this option is still available. Below you can explore the main ones.

Stores that accept Afterpay are The Iconic, Kmart, Surfstitch, Mimco, Shein, Country Road, BCF, Target, Bing Lee, Platypus Shoes, Foot Locker, David Jones, Sephora, Culture Kings, Adore Beauty.