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Why Walmart Layaway is Now Affirm

Why Walmart Layaway is Now Affirm

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You could always put items on layaway at Walmart, picking them up after you’ve paid them in full, but Walmart just made things even better.

Now instead of waiting for your items for months while you pay for them, you can buy now pay later with Walmart Affirm, the latest Buy Now Pay Later plan to hit the market.

How does Affirm Work With Walmart?

You might have heard of Affirm by now. They are one of the largest Buy Now Pay Later platforms out there today. When you buy now pay later, you pay some money upfront at checkout and pay the remaining amount throughout the loan’s term, which is usually 3 installment payments over the next 3 to 24 months.

The amount of your purchase determines the term. For example, purchases of $144 – $799.99 can choose terms of 3, 6, or 12 months. If your purchase is $800 – $2,000, you can finance for 12, 18, or 24 months.

Remember, the longer you stretch the payments out, the more interest you’ll pay. To determine which payment options you have, apply on Walmart Installment Financing Page here. 

Affirm doesn’t charge any fees and they are upfront about the total of your payments. You won’t have any unpleasant surprises or not know when your payments are due – it’s all disclosed to you upfront.

How to Pay with Affirm at Walmart In-Store

You can use Affirm at Walmart both online and in-store. If you’re shopping online, it’s easy. You click ‘pay with Affirm’ at checkout and follow the instructions.

If you’d rather shop in-store, you must visit to apply. You’ll enter some personal information and the total of your purchase and then scan the barcode provided to pay for your purchase.

What can I Finance with Affirm at Walmart?

You can use Affirm at Walmart on a large number of products including home goods, electronics, toys, apparel, jewelry, sporting goods, tools, musical instruments, and home improvement products.

You cannot use Affirm at Walmart for groceries, alcohol, pet supplies, baby food or formula, tobacco, personal care items, weapons, gas, pharmacy, or wireless services.

What is the APR?

Affirm at Walmart doesn’t guarantee that you will have a 0% APR. Some customers qualify for 0% APR but have a much shorter term to pay off their purchase. Most customers, though, pay an interest rate between 0% – 30% depending on what you buy.

Always read the fine print and look at the total cost of the loan after you’ve made all payments to make sure it’s still a smart financial decision.

Can you Return Products Bought with Affirm at Walmart?

You can return items you bought with Affirm at Walmart. You’ll need to return the products in-store or via mail but first initiate the return online. If you’ve already made loan payments, you’ll receive a refund, but only if you take the necessary steps, starting with initiating the process online.

Curious about other stores that have embraced Affirm financing? Dive into our companion article, “Affirm Stores That Accept Affirm Financing,” for a comprehensive list of retailers where you can utilize Affirm to make your purchases more flexible and manageable.

Final Thoughts

Affirm at Walmart can be a great way to get the items you need. While you’ll likely pay interest, if you keep the term short, you can limit how much it costs. Just don’t use Affirm for impulse buys or to buy something you know you can’t afford and it can be a great deal.

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