Walmart Buy Now Pay Later Guaranteed Approval No Credit Check

With the emergence of BNPL services, many retailers have partnered with them to attract more customers and increase their sales. Walmart, one of the largest retail giants, has also embraced this trend by offering its customers the convenience of buying now and paying later. However, if you are looking for Walmart buy now pay later guaranteed approval, there are a couple of things you should know beforehand.

Quick Summary

Walmart offers a Buy Now Pay Later (BNPL) option, allowing customers to make purchases and pay for them in installments. While Walmart does not guarantee approval for its BNPL service, it has partnered with Affirm to provide financing options. Affirm checks the credibility of customers to determine whether they fit the criteria or not. Walmart also accepts PayPal, Klarna, and Zip. 

Does Walmart Offer Buy Now Pay Later? 

Yes, Walmart offers a Buy Now Pay Later service to its customers. In addition to Affirm, Walmart is expanding its BNPL services by introducing its payment option.

Previously, the retail giant offered a layaway option that allowed consumers to make a down payment to hold the item. After making the complete payment, the customer would receive the product. Even though this layaway option was a good method to split the cost (particularly during holidays), you could not take the product home. 

As the concept of same-day shipping increased, the layaway option became ancient. By partnering with Affirm 2019, a leading financial technology company, Walmart provides shoppers with the flexibility to make purchases without immediate payment.

BNPL at Walmart is a financing option accessible to customers when they want to purchase an item that they can’t pay for YET. It splits your cost over a few installments to make it easier for you. 

Statistics show that BNPL services increase sales by 85%, especially between Cyber Monday and Thanksgiving. In collaboration with ONE, a fintech venture, Walmart is expected to roll out its BNPL service this year, allowing more flexibility to its customers. 

Does Walmart Guarantee Approval For Its BNPL Service? 

Walmart does not guarantee approval for its Buy Now Pay Later (BNPL) service. Being a prominent payment solution at Walmart, Affirm will assess the credibility and creditworthiness of applicants. Affirm conducts a quick credit check during the application process to determine if the individual qualifies for financing.

While Affirm considers various factors to measure creditworthiness, including credit history and income, there is no assurance that every applicant will be approved for financing.

Approval is contingent upon an individual’s credit profile and Affirm’s lending criteria. Some applicants may not meet the requirements or will be considered ineligible for financing. Affirm operates independently from Walmart and has its criteria for approval. 

However, Walmart has recently announced its plans to launch its own BNPL service backed by ONE. With Walmart’s own BNPL service, there may be a possibility that the retailer provides some form of guarantee or assurance regarding approval for financing. Details about the specific terms and requirements of Walmart’s BNPL service are not available at the time.

Walmart Buy Now Pay Later With Affirm 

As one of the prominent payment methods at Walmart, Affirm offers a unique and user-friendly experience. With this BNPL service, you can take the product home while dividing the payment in a convenient time frame. 

Affirm allows Walmart shoppers to enjoy their purchasing habits by offering financing that does not charge an annual interest rate fee. You can avail of promotional financing of 0% APR. This BNPL also has a stringent financing schedule, including:

  • You can avail of installments spread over 3, 6, or 12 months for purchases of $144 to $799.99.
  •  When you purchase around $800 to $2,000, Affirm will allow you to replay in 12, 18, or 24 months.

By partnering with Walmart, the retail landscape is bound to change. You can shop excitingly and freshly without worrying about finances.  

Items That Are Eligible For Affirm At Walmart 

  • Electronics: This includes items like smartphones, televisions, laptops, tablets, cameras, and other electronic devices.
  • Arts and Crafts: Affirm financing is available for art supplies, craft materials, DIY kits, and other creative items.
  • Toys: Looking for a gift but can’t afford it? Use Affirm at Walmart to purchase board games, puzzles, and other toys. 
  • Video Games: Customers can use Affirm to purchase video game consoles, games, accessories, and related gaming equipment.
  • Home: You can use Affirm to finance various home products, such as furniture, appliances, home decor, bedding, and kitchen essentials.
  • Musical Instruments: Walmart’s musical instruments, such as guitars, keyboards, drums, and other equipment, are eligible for Affirm financing.
  • Home Improvement: Complete your home improvement projects without worrying about financing. Get tools, hardware, and building materials by using Affirm. 
  • Auto: Walmart’s automotive department offers Affirm to purchase car accessories, maintenance tools, and other related products
  • Baby Items: Affirm financing extends to baby products, including strollers, car seats, nursery furniture, baby monitors, and other essentials.
  • Jewelry: Walmart’s jewelry section also accepts Affirm financing, where you can purchase necklaces, earrings, and watches. 
  • Sports and Outdoors: Want to purchase sports equipment such as outdoor gear, camping supplies, or fitness equipment, take advantage of Affirm financing. 
  • Apparel: Affirm makes it easy for you to buy clothes, shoes, and other accessories by splitting the cost. 

How Can I Use Affirm Walmart Buy Now Pay Later In-Store?

Shopping with Affirm, in-store or online, is straightforward, convenient, and enjoyable. This interest-free financing method does not have any hidden fees. Before visiting a Walmart store, ensure that Affirm is available as a payment option by checking the store’s website or contacting customer support.

Moreover, you will need to check if you are eligible to get approved. Purchases that range between $144 and not more than $12,000, are allowed through financing. After choosing the products from or in-store, you will proceed to the checkout counter. Inform the cashier that you would like to use Affirm for Buy Now Pay Later. You can also fill out the application using a smartphone. 

This application will require you to add information such as payment plan and scan the bar code which can only be used once. It will give you access to a virtual Affirm card that can be used in stores that accept it as a payment method for 24 hours. 

You will have to choose a payment plan that matches your budget. Before you complete the transaction, it is best to review the information. For added convenience, you can link the information to your mobile wallet. 

Steps To Make Payments to Affirm 

  1. If you don’t have an account yet, you will have to create one on the Affirm website or mobile app.
  2.  Visit the Affirm website and log in to your account using your email address and password. 
  3.  Once you’re logged in, go to the “Payments” section in your account dashboard. You’ll find information about your current loan or installment plan, including the amount due and payment schedule.
  4.  Next, you will have to opt for a payment plan. Affirm provides various payment methods, you can link a bank account, or debit card, or set up automatic payments through AutoPay.
  5.  If you prefer to make a one-time payment manually, select “Make Payment” and enter the payment amount. Follow the prompts to provide the necessary payment details, such as card information.
  6.  You can also choose Affirm’s AutoPay feature to ensure that you make timely payments. This allows Affirm to automatically deduct the payment amount from your linked bank account or debit card on the scheduled due date.
  7.  Before finalizing your payment, review the payment details, including the amount and payment method. Click on Confirm the payment. 
  8.  You will receive reminders from Affirm through text or email to help you avoid late fees. 

Can I Return Products To Walmart Purchased With Affirm? 

Yes, customers can return products purchased with Affirm at Walmart. However, the refund process may differ slightly. 

Walmart will process the refund, and Affirm will adjust the outstanding loan balance accordingly. To return the item to Walmart that was purchased in-store, you will have to visit a Walmart outlet and check the details with a customer support agent.

For online purchases, you will need the details of your purchase when you want to return the items. You can mail the item back or drop it at a Walmart outlet.

Once the refund process begins, Affirm will return any amount paid as a down payment or initial installment. The refunded amount will reflect in your bank account within 3-10 business days. 

Benefits of Using Walmart Buy Now Pay Later 

Access to Larger Purchases: Buy Now Pay Later services at Walmart allows customers to access larger purchases that might be challenging to afford upfront. Whether it’s a new electronic device, furniture, or other costly items, spreading out the payments can make them more accessible and manageable.

Manageable Installments: Walmart’s Buy Now Pay Later allows customers to spread out their payments over time, making it easier to afford larger purchases. You can choose to split the cost into four equal payments rather than paying the amount in full right away. Customers can select a period between three, six, or twelve months to complete repayment. 

Simplified Application Process: Applying for Buy Now Pay Later at Walmart is often a straightforward process. You can complete the application quickly and easily, enabling you to make your purchase without significant delays.

Convenient Online and In-Store Shopping: Walmart’s Buy Now Pay Later option is available for both online and in-store purchases. This convenience allows you to choose your preferred shopping method while still enjoying the benefits of deferred payments.

Transparent Repayment Plans: BNPL programs typically offer clear repayment plans. It allows you to see the exact amount you will have to pay every month. In addition, the duration of the payment and the total cost will also be mentioned. There are no hidden fees involved, making it easier for shoppers to budget. 

Potential Credit Building: In some cases, using Buy Now Pay Later options may help build or improve your credit history. Timely payments can demonstrate responsible borrowing behavior and positively impact your credit score over time.

Downsides to Walmart BNPL Plan 

Debt Accumulation: If you have multiple ongoing BNPL plans or struggle to manage your finances, the accumulation of debt from various payments can become overwhelming. It’s important to assess your financial situation and consider whether adding another payment obligation is viable for you.

Eligibility: Like other BNPL programs, Walmart’s BNPL plan conducts a credit check during the application process. If you have a less-than-perfect credit history, you might meet the eligibility criteria. It can negatively impact your credit score. 

High fixed Interest and Fees: While some BNPL plans offer interest-free financing, there are certain fees involved. Walmart’s BNPL can charge up to a 30% interest rate. These fixed payments are added to the monthly repayment plan. You will be paying interest even if you are not aware. Failure to make timely payments or missing payments could result in additional fees or interest charges.

Limited Product Availability: Not all products are eligible for purchase through Walmart’s BNPL plan. Certain items, such as gift cards or specific electronics, may not qualify for BNPL financing. 

Potential Impulse Purchases: BNPL plans can encourage impulse purchases since you obtain the items without immediate payment. It’s crucial to exercise discipline and ensure that you can afford the payments within your budget.

Does Walmart Accept Other Buy Now, Pay Later Programs? 

Partnering with several buys now pay later facilities, Walmart facilitates shoppers to purchase what they need without any financial limits. In addition to Affirm, Walmart accepts other popular BNPL programs, including PayPal, Afterpay, Klarna, and Zip (formerly Quadpay).


Walmart allows customers to use PayPal’s Pay in 4 services, enabling them to split their payments into four interest-free installments. It is beneficial for people who already have a PayPal account and would like to have a backup payment method.

BNPL service from PayPal allows Walmart customers to shop in-store or make online purchases. The best part: this BNPL does not charge any interest. 


Afterpay is another popular BNPL service. However, it is not accepted by Walmart. This payment plan allows customers to divide their purchases into four equal installments over six weeks

It does not typically require a down payment, enabling you to make purchases and pay for them later. The best part: Afterpay doesn’t charge any interest or fees when you make timely payments. If not at Walmart, you can consider using Afterpay for online purchases at Target.


Through a partnership with Klarna, Walmart shoppers can split their payments into four equal installments without interest or fees. It is a payment program that allows Walmart shoppers to enjoy affordable purchases.

You can avail of two flexible payment alternatives with this service provider. Customers can make the payment in four installments or repay the total amount, 14 days after the purchase. The latter option charges a higher interest rate.

Klarna provides a transparent system, allowing customers to budget their finances. The best part: this app allows you to scan coupons related to your purchase, ensuring that you receive the best deal. 

Zip (Quadpay)  

Formerly known as Quadpay, zip is a fantastic BNPL option that works at Walmart. It is a pocket-friendly alternative when shopping in-store or online.

Zip does not charge any fee for timely payments, but there is a $15 fee for missed or delayed payments. The best part: it is an interest-free BNPL service that can be used by installing the app. 

Does Walmart’s Layaway Still Exist? 

No, Walmart’s Layaway method has been discontinued. 

Walmart has always focused on providing a convenient and affordable shopping experience. For years, the retail giant in the US has provided an amazing opportunity: seasonal layaways. 

This program allowed customers to make a down payment and hold off the item till the entire payment is made in installments. In the layaway method, customers get the product while breaking up the cost. However, you will not be able to take the product home with you on the same day. 

In 2022, Walmart adopted the buy now pay later option in an attempt to stay on-trend. This payment method better understands customer demand and aligns with the shopping habits of a modern customer. Even though shoppers appreciated the ease and avoided the use of credit for layaway, today’s shoppers are impatient and would find the system inconvenient. 

Should You Sign Up For Walmart+ Membership? 

Walmart+ is a membership program that offers benefits such as free shipping, fuel discounts, and more. Signing up for a Walmart+ membership can be a beneficial choice depending on your shopping habits and needs. There are several reasons why signing up for this membership will benefit customers. 

When you sign up for a Walmart+ Membership, you will get access to additional benefits and exclusive deals. These deals include discounts on fuel and free shipping. To enhance the shopping experience, members will also receive a flexible payment plan on certain products when they sign up for Walmart+. These members can score incredible deals, save time and money, and receive exclusive financing terms. 

However, there are factors to consider before signing up for Walmart+ membership. Walmart + charges an annual fee, which is why you should evaluate your shopping habits.

If you rarely shop at Walmart or prefer other retailers, the membership may not be worthwhile. Although flexible payment is accessible, it might be restricted to certain products. Members will have to stay on top of the deals to get the best offers. 

Is Walmart Credit Card Useful For Purchases? 

Walmart Credit Card is an option for shoppers who enjoy shopping at the store but want to enhance the experience with added perks. Walmart Credit Cardholders will have access to special financing options for larger purchases, such as 0% interest for a specified period. 

This can be advantageous if you have planned purchases that you prefer to pay off over time without incurring interest charges.

Using the credit card at the store is easy and gives shoppers access to unique offers, allowing them to avail of BNPL services. Naturally, to use a Walmart Credit Card, customers will need to get credit approval. As a result, you should keep track of the latest deals and requirements crucial for approval. 

The majority of Walmart’s Credit Card users positively review the payment method. Most of them suggested that this BNPL facility provides them with special offers and convenience.

However, people tend to have distinctive shopping experiences. It is crucial to do your research and go through more reviews to understand how the Card works. Moreover, it will allow you to get a deeper insight into the problems that other customers have faced. 

  • The Walmart Credit Card offers various rewards and discounts that can be beneficial for frequent Walmart shoppers.
  • Having a Walmart Credit Card can provide convenience and allows customers to streamline their payment process 
  • Consolidates your expenses into a single account.
  • No upfront costs
  • Financing is mostly interest-free on eligible items.
  • No annual fees
  • Some customers complain of higher than usual interest rates on the card if the payments are delayed or missed
  • If customers are not careful with their payments, late fees or other charges

Is It a Good Idea To Rely on BNPL Plans? 

Relying on BNPL plans can be convenient for managing expenses, but it is important to use them responsibly. Consumer Financial Protection Bureau recently inspected the program and found destructive lending practices. 

Rohit Chopra, the Director of the Bureau said that they want to subject the same level of scrutiny for BNPL firms as regular credit card companies. He also said that BNPL is similar to Walmart’s layaway but it’s faster. Moreover, the customer gets the product with the first payment. Even though they can enjoy the product immediately, the debt looms. 

Customers should assess their financial situation, and consider the interest rates and repayment terms to avoid accumulating excessive debt. In addition, you must understand the risks that are linked to BNPL programs. Instead of relying on buy now pay later options, you can:

  • Purchase the item using a debit card
  • Save enough to pay for the product in full
  • Create an emergency fund for essential purchases
  • Craft a budget and stick to it. 

Things to Keep in Mind When Choosing Walmart Buy Now Pay Later 

Eligibility and Approval: Understand the eligibility criteria for Walmart’s Buy Now Pay Later program. While it may not guarantee approval for everyone, it’s essential to check if you meet the requirements before applying. It is imperative to understand that all buy now pay later options are not accessible for every item or to all customers. Reviewing the eligibility (such as credit checks) for every payment plan will allow you to choose a suitable option. 

Budgeting and Affordability: Assess your financial situation and determine if the Buy Now Pay Later option aligns with your budget. Shoppers should consider their income, expenses, and other financial obligations to ensure that they can make timely payments without compromising their overall financial well-being. By understanding different BNPL offerings, you can choose the best option: be it Walmart Credit Card, Affirm, or layaway plan. 

Interest Rates and Fees: Familiarize yourself with the interest rates and any additional fees associated with the Buy Now Pay Later option provided by Walmart. Any hidden fees can leave you in a deep debt cycle. Carefully review the total cost of your purchase including charges, annual fees, interest rates, or the terms and conditions for late fees. It will facilitate you to stay prepared and avoid shocks. 

Return and Refund Policies: Review Walmart’s return and refund policies specifically related to purchases made using Buy Now Pay Later. To enjoy the experience, it is best to understand the process for returning items and any potential implications for your payment plan before purchasing the product.

Repayment Terms: Evaluate the repayment terms offered by Walmart’s Buy Now Pay Later option. Determine the length of the repayment period and the frequency of payments. Choose a payment option that better aligns with your financial situation to avoid straining your budget. Every buy-no-pay-later service offers varying terms, consider one that fits best and allows you to comfortably manage payments.

Customer Support: Stellar customer service is the key to a well-rounded experience. Familiarize yourself with the customer support options provided by Walmart and the BNPL service provider.

Knowing how to contact them for assistance, clarification, or dealing with any issues regarding your Buy Now Pay Later transactions will ensure that you have a hassle-free experience. Affirm and Walmart+ are known to have excellent service. You can also go through user reviews and ask for recommendations. 

Tips! How to Shop Smartly without Using Buy Now Pay Later 

Shopping smartly without relying on Buy Now Pay Later (BNPL) options can help you manage your finances effectively and avoid unnecessary debt. Here are some tips to shop responsibly and make wise purchasing decisions:

  • Budgeting for a purchase: Before you start shopping, establish a budget based on your financial situation and prioritize the items you need. To do so, you can allocate specific amounts for different categories and stick to your budget throughout your shopping trip.
  • Create a List: Make a list of the items you require or genuinely want to purchase. Sticking to the list will help you avoid impulse buying by keeping you focused. Moreover, you will avoid unnecessary spending.
  • Research and Compare Prices: Take the time to research products and compare prices across different retailers. Capitalize on sales, discounts, or promotional offers to get the best possible price.
  • Consider Pre-Loved Items: Explore the possibility of buying used or pre-owned items for certain purchases. This way you will get to purchase high-quality products at a lower cost. In addition, you will save money while still getting what you need.
  • Save funds for big-ticket items: Instead of using BNPL options, consider saving money for your desired purchases. Set aside a portion of your income each month specifically for larger purchases, so you can buy them in one go and avoid incurring debt or interest charges.
  • Track Your Expenses: You should keep track of your expenses and review them regularly. This will help you identify any patterns or areas where you can make adjustments to save money.
  • Create an emergency fund: Having an emergency fund gives you ample backup. It allows you to utilize savings when needed to purchase essential items.

Remember, responsible financial management is essential for maintaining a healthy financial life. By adopting these smart shopping practices, you can make informed decisions, avoid unnecessary debt, and stay in control of your finances.

Key Takeaways 

  • Walmart offers a Buy Now Pay Later service through its partnership with Affirm. This collaboration allows customers to split payments into installments for eligible items at Walmart.
  • Approval for the BNPL service is subject to Affirm’s credit evaluation and is not guaranteed by Walmart. Walmart also accepts other BNPL programs such as PayPal, Afterpay, Klarna, and Zip.
  • Customers should use BNPL services responsibly and consider their financial situation before opting for them.

Frequently Asked Questions (FAQs) 

Does Affirm affect credit score?

No, when shopping at Walmart with Affirm; it will not impact your credit score directly. Typically, Affirm will conduct soft checks to understand your financial standing. However, if a loan is approved and utilized, it may be reported to credit bureaus, potentially affecting credit.

If you make your payments on time and manage your Affirm loan responsibly, it can potentially have a positive impact on your credit history. On the other hand, the credit score is negatively impacted if you miss payments or default on the loan.

Are there stores with payment plans with no credit checks? 

Yes, there are a couple of stores that offer a flexible payment plan and do not conduct a thorough credit check. These include:

  • Fingerhut Credit Account
  • Zebit
  • Montgomery Ward

 Where can I find buy now, pay later no down payment? 

The majority of buy now pay later options requires you to make an initial down payment. Some BNPL apps that don’t charge a down payment are:

  • Zip: The app will charge a monthly fee in exchange for higher flexibility 
  • PayPal: This platform allows you to pay for the purchase in four equal payments or take up to 14 months to make the payment. 
  • Affirm: It offers the same payment plan as PayPal. The monthly payments charges are 15% APR 
  • Perpay: It offers a unique payment method. There is no down payment and the first payment will be charged on your payday. 
  • Uplift: The app does not require an upfront payment and gives you 18 months. 

What is reliable buy now pay later apps I can use? 

BNPL services allow shoppers to afford larger purchases in a manageable way. However, with the emergence of several buy now pay later apps; it can become a challenge to opt for one. Some of the reliable BNPL apps are:

  • Afterpay
  • Sezzle
  • PayPal
  • Zip
  • Klarna
  • Uplift

Does Walmart accept Afterpay? 

While Afterpay is a popular buy now, pay later payment option accepted by many retailers, it is not currently available for use at Walmart. These options provide a convenient way to acquire products that may be beyond immediate affordability. Unlike credit cards, these payment methods typically do not charge interest.

This ensures that the cost of the product remains the same. Although Afterpay is not supported by Walmart, the store does have other financing options.