Select Page

Can I Use Affirm Online at Walmart?

If you’re looking to make a purchase at Walmart but don’t have the funds upfront, you might be wondering if you can use Affirm to finance your purchase. Affirm is a popular online lender that provides point-of-sale financing, so it’s easy to see why you might want to use it for your Walmart purchase. In this post, we’re going to dive into whether or not Affirm can be used online at Walmart and what you need to know before you attempt to use it.

What is Affirm?

First, let’s take a quick look at what Affirm is and how it works. Affirm is an online lender that offers point-of-sale financing for a variety of retailers. Essentially, when you make a purchase, you can choose to finance it through Affirm, rather than paying for it upfront. Affirm will then charge you interest on the purchase amount, and you’ll make payments to Affirm over time until the purchase is paid off.

Can I Use Affirm at Walmart?

The short answer is no, you cannot use Affirm to finance your Walmart purchase online. Currently, Walmart does not accept Affirm as a payment option on its website. However, this doesn’t mean that you’re completely out of luck if you want to finance your Walmart purchase. There are a few other financing options that you can consider.

Other Financing Options for Walmart Purchases

If you’re looking to finance your Walmart purchase, there are a few other options that you can consider. Here are some of the most popular:

Walmart Credit Card

One option is to apply for a Walmart credit card. The Walmart credit card offers special financing options for purchases made at Walmart. For example, you can get 0% APR for six months on purchases of $150 or more, or you can get 0% APR for 12 months on purchases of $299 or more. The Walmart credit card also earns you cashback on purchases, which can be a great way to save money in the long term.

Other Credit Cards

Another option is to use another credit card to finance your Walmart purchase. Depending on your credit score, you may be able to get a credit card with a low interest rate or even a promotional 0% APR offer. This can be a good option if you don’t want to apply for a store-specific credit card like the Walmart card.

Personal Loans

If you have good credit, you may be able to qualify for a personal loan. Personal loans typically have lower interest rates than credit cards, which can save you money in the long run. You can use a personal loan to finance your Walmart purchase and then make payments on the loan over time.


Finally, Walmart offers a layaway program, which allows you to make payments on a purchase over time. With layaway, you put down a deposit on your purchase, and Walmart holds the item for you. You then make payments on the item over time until it’s paid off, at which point you can take it home. This can be a good option if you don’t qualify for credit or don’t want to take out a loan.


While Affirm isn’t an option for financing your Walmart purchase online, there are still plenty of other financing options to choose from. Whether you decide to apply for the Walmart credit card, use another credit card, take out a personal loan, or use Walmart’s layaway program, it’s important to do your research and choose the option that works best for your financial situation. And, as always, be sure to read the terms and conditions of any financing option before you sign up.

Remember that responsible spending and borrowing is always important for staying on top of your finances. Keep in mind what you can afford and stick to a budget to avoid any potential financial pitfalls in the future.

We hope this post has been helpful and informative for anyone looking to finance their Walmart purchases. Do you have any experience using any of the financing options mentioned above? Let us know in the comments!