Does Walmart accept Afterpay, Buy Now, Pay Later? (2023 Updated)

Walmart! Love it or loathe it; Walmart is unavoidable. Whether it is for the weekly groceries shop or to purchase a big-ticket item, everyone in America has visited this giant of the shopping industry at one time or another.

And while Walmart may be extremely reasonably priced, sometimes consumers need a little extra help. That’s where Afterpay comes in handy. It lightens the load for when you’ve got too many outgoing expenses.

But it can’t be used everywhere. Unfortunately, some stores don’t allow this method of payment. So, let’s find out… does Walmart accept Afterpay, Buy Now, Pay Later?

What is Afterpay?

Afterpay is an app that can be used on any Apple or Android device. More than 14 million people worldwide make use of it, and it’s accepted by over 85,000 brands. It’s a convenient way to pay for goods when money is tight, and you’re feeling the pinch.

How do I use it?

First things first, you need to download the app. Once that’s done, you need to sign up. That includes inputting your name, date of birth, email address, home address, phone number, and registering a credit or debit card.

Next, you need to wait for approval. Happily, this step happens almost instantly. You’ll know within minutes whether you’re eligible to use this handy form of payment.

And then…

That’s it! You can start using the Afterpay app to pay for whatever you need. If shopping online or in-store, simply choose ‘Afterpay’ as your method of payment. Alternatively, start searching the app for the goods you need.

How does it work?

Afterpay allows the user to pay off their bills over time. You’ll make an initial payment at the time of purchase, then pay off the outstanding amount over a period of up to six weeks. It’s an awesome way of spreading out payments and can be a real lifesaver when there’s too much money going out.

Does it cost anything to use Afterpay?

It’s free to download and register the app. It also costs nothing to use it. Just make sure you keep up with your payments. Assuming everything is paid on time, there are no interest fees and no hidden costs.

But what if the payments are late?

If you’re unable to pay on time, then, unfortunately, this will incur some late fees. They’re not too bad, though: the most you’ll pay is an extra 25% of the purchase price. Plus, your account will be stopped until it’s paid off to help keep you from going into any further debt.

How can I avoid this?

The Afterpay app has several handy features to help you to stay on track. Users can set themselves a monthly budget, with automatic updates on how much they’ve already spent. The app also sends gentle reminders of the amounts due, so you should never miss a payment.

Ready to begin?

Then check out the Afterpay website. It has links to the app, as well as any extra information you might need. You can also access your account from here and search for great value deals across the web.

Does Walmart accept Afterpay, Buy Now, Pay Later?

Unfortunately, everyone’s favorite retailer does not accept Afterpay. Therefore, this form of payment cannot be used at Walmart, either in-store or online. 

However…

Several other, similar, delayed payment apps are accepted! So, even though you can’t use Afterpay, there are still options for those who want to pay their bills over time.

Which Buy Now, Pay Later services does Walmart accept?

Zip

Formerly known as Quadpay, Zip is a great way to buy now, pay later at Walmart. This is another simple-to-use app. It’s easy to get started and offers an incredibly user-friendly experience.

Firstly…

To kick things off, download the app. It’s available through both Google Play and The Apple store, so it should work no matter which device you have. From then, fill in some basic details and get shopping!

From there, choose the name of the store and how much you need to spend. Use the app to pay 25% at the time of purchase, then pay the rest off over four weeks. Just make sure you credit the app with money every time you need to make a payment.

What’s so good about Zip?

The best thing here is that it’s fully transparent. There are no hidden fees or nasty surprises. Plus, even in the case of late payment, it won’t affect your credit score.

Affirm

Affirm is another app that can be used in a huge variety of stores. It’s accepted at many national retailers, such as Target, Lowes, and of course, Walmart. This is one of the most widely used apps, so it’s an excellent one to have.

Are you eligible?

To find out, you’ll need to answer a couple of questions and your financial situation on signing up. Don’t worry, though; it’s nothing too difficult. Your answers will be kept completely private, too, so your credit score won’t be affected.

If you are eligible, then it’s time to go shopping! Just choose Affirm at the checkout and make the first payment. You can use this online and use the browser extension if you prefer not to use a phone app.

How often do I need to pay?

That’s up to you! Customers can choose to make four total payments every two weeks or monthly installments over a longer time period. And the best part? Even if you miss a payment, you won’t be charged any fees.

Klarna

And then there’s Klarna. This is very similar to the previously mentioned apps. It’s a payment program that allows users to spread the cost of items over a certain length of time.

How often do you have to pay?

There are several different options here. Firstly, the customer can make four payments, one every two weeks. Then there’s a pay in 30 days option if you’d like to get out of the debt a little faster. Or, for those big-ticket items, set up a monthly financing plan over an extended period.

That monthly plan will cost a little extra, thanks to interest rates. But Klarna is pretty open about this. You’ll know exactly how much you’re expected to pay back before you commit to buying.

And one more thing…

Klarna can help you save money! When used, it scans the web for any suitable coupons. It then automatically applies them to your order, ensuring you get the best possible deal.

PayPal Pay in 4

Sure, you’ve probably already got a PayPal account. But did you also know that you can use it to buy now, pay later?

Love shopping online?

This app isn’t for use in bricks-and-mortar stores. It’s available for online shopping only. That makes it ideal for those who prefer to buy things from the comfort of their own home.

OK, that’s not great if you like the experience of going out shopping. But for everyone else, it couldn’t be better! It’s a super convenient way of buying things without ever having to go outside!

Are there any limits on using PayPal pay in 4?

Yes, there are a few. The purchase must be in the range of $30-$1500. There are also a few states that aren’t eligible to use it, such as Nevada, New Mexico, and Wisconsin, amongst others.

Read more: How To Use Affirm at Walmart

Need More Superb Info on Walmart?

Then check out our in-depth Walmart Vision And Mission Statement Analysis or find out Does Walmart Hire Felons or How Does Walmart Track Shoplifting in 2023.

Or, if you’re looking for a change of career, take a look at our Walmart Application plus the most common Walmart Interview Questions. Or how about our Walmart Stocker Job Description or the most frequently asked Walmart Cashier Interview Questions to guarantee you land the job. And if you’re just starting out on your career, you’re probably wondering, How Old Do You have To be To Work At Walmart?

However, if you want to find out more about this fascinating company, it’s worth checking out Wal-Mart: A History of Sam Walton’s Retail Phenomenon, The Wal-Mart Effect: How the World’s Most Powerful Company Really Works–and How It’s Transforming the American Economy, as well as Walmart: Behind Closed Doors.

Does Walmart accept Afterpay, Buy Now, Pay Later? – Conclusion

While Walmart does not currently accept Afterpay, it’s fantastic to see how many other options are out there. After all, times are tough, and we’re all feeling the pinch. It’s a huge relief to be able to take some of the pressure off and spread those payments out over time.

Just make sure you do your research and check the terms and conditions carefully! The best buy now, pay later app for your friend might not be the best for you. Take a good look at them all before committing to the one that suits your needs the most.

So, happy shopping, folks!