For other stores with traditional layaway options, see our list of stores that offer layaway year-round.
Affirm Financing at Walmart
Walmart offers Affirm financing for in-store and online purchases.
Many but not all items available at Walmart are eligible for Affirm financing.
You can buy items from the following categories with Affirm:
- Arts and crafts
- Electronics (including televisions, computers, tablets, and smartwatches)
- Home goods (including furniture and small kitchen appliances)
- Musical instruments
- Video Games
Affirm won’t finance certain purchases, like consumable items and in-store services.
The following categories at Walmart aren’t eligible for Affirm:
- Consumable baby products (such as baby food)
- Health and wellness
- Hunting supplies
- Money services
- One-hour photo processing
- Personal care
- Pet supplies
- Temporary specialty items
- Weapons, weapon accessories, and ammunition
- Wireless services
Whether making your purchase at a store or online, you’ll need to apply for Affirm online.
To apply for Affirm, you must be 18 or older (19 in Alabama). You’ll need to provide a valid U.S. phone number, your full legal name, your email address, and the last four digits of your Social Security number.
Your financing terms with Affirm will depend on your total purchase amount.
Some online purchases are eligible for special financing with APRs as low as 0%. If your purchase doesn’t qualify for special financing, your APR will range from 10% to 30%, depending on the details of your purchase.
Keep in mind that unless you qualify for a promotional offer and pay it off before the promotional period ends, you’ll end up paying more for your item with financing than you would when buying it outright. It’s best to avoid financing unless you’re sure you can make all of the payments on time.
Note that you can’t make payments at a Walmart store or through Walmart’s website.
If you made your purchase at Walmart.com, you’ll need to initiate your return on the website and return the item by mail or to your local store. In-store purchases are returnable to any store location.
Find out more about making returns to Walmart in our overview of Walmart’s return policy.
- Walmart customer service (800) 925-6278