After ditching Walmart Layaway in 2021, Walmart introduced Affirm to its customers.

Affirm is a buy now, pay later service, and it allows customers to purchase items they can’t pay for at once.

Are you currently at the checkout and do not know how to use Affirm to checkout, or do you plan to use Affirm at Walmart very soon? Then, this article is for you.

In 2022, how do you use Affirm to checkout at Walmart? 

This article will guide you on how to use Affirm to pay for purchases at Walmart, the conditions you must meet to use Affirm, and other aspects that are must-know for you.

Read more to find out!

You can also read Does Walmart accept Afterpay and Other Buy Now, Pay Later Services 

Affirm: Definition And How To Use It At Walmart

Affirm is a financial technology company that helps customers purchase goods and services both in stores and online from retail stores like Walmart, and allows them to pay later over a fixed period. It is a typical Buy Now, Pay Later platform. 

Affirm: Definition And How To Use It At Walmart

Affirm charges you the amount you see upfront, and you are given the choice to choose the mode of payment that suits you. You are charged interest between 0% to 30%; there are no late fees or hidden fees.

The least you can get from Affirm is $144 and the highest is $2,000, including tax. Once you meet Affirm eligibility and the funds for purchase at Walmart are approved, you can pay your installments between 3 to 48 months, depending on your chosen choice.

Can I Use Affirm To Checkout In-store At Walmart

Yes, you can checkout with Affirm in-store at Walmart. 

Walmart is one of the stores that accept the use of Affirm for payment of purchases. So long as you meet the eligibility criteria, you are good to go.

Can I Use Affirm To Checkout Online At Walmart?

The use of Affirm to checkout at Walmart is not limited to use in Walmart stores alone. You can use affirm to checkout online at Walmart’s official website or the Walmart app.

What Are Needed To Qualify For Affirm At Walmart?

Before you can be approved for a loan by Affirm to purchase goods or services at Walmart, there are certain criteria you have to meet.

Some of the criteria are listed below:

  1. You must first be a citizen of the United States. 
  2. You must be at least 18 years old or 19 in Alabama and Nebraska.
  3. You must have a social security number (SSN).
  4. You must also own a phone number registered to the United States or the U.S. territories, and it must be able to receive SMS.

The four criteria listed above are just the basic ones. Meeting the criteria listed above does not guarantee a loan from Affirm for payment of purchases. 

Other criteria that will determine your loans are your credit score, the use of credit obtained from Affirm, your Affirm payment history, the duration you have held an Affirm account, the number of loans you have with Affirm, a guarantee of your income and debt obligations, and recent bankruptcies.

Will Affirm Approve My Loan If I Meet The Criteria?

Meeting all the criteria stated above does not guarantee you will be given a loan to finance your purchases. Affirm reserves the right to approve your loans.

Affirm may approve your application in a store, and decline your application in another store.

Also, you may currently be on an Affirm loan and your application is still not approved for another loan. 

The reason your loan application was not approved will be sent to your email to explain why it was not approved.


  • You can apply for more than 1 loan at Affirm at a go. Each loan is considered separately.
  • If your loan application was not approved, you can apply later.

What Can I Buy With Affirm At Walmart?

Thousands of products can be purchased using Affirm at Walmart.

Some of the products that are eligible for purchase at Walmart are:

  • Electronics, such as laptops, TVs, iPhones, video gaming, and more
  • Homes, such as mattresses, furniture, and more
  • Home improvement and tools
  • Auto
  • Sports and outdoors
  • Toys
  • Baby
  • Apparel
  • Jewelry 

What Can’t Be Purchased With Affirm At Walmart?

Affirm loans can not be used for the payment of illegal items and activities, money services, and other goods and services deemed unacceptable by Affirm and its lenders.

Some of the ineligible items are:

  • Pharmacy, health, and wellness
  • Groceries and food
  • Alcohol
  • Tobacco
  • Baby consumables
  • Pet supplies
  • Wireless services plan
  • Gasoline
  • Weapons and accessories

How Do I Use Affirm To CheckOut In-store And Online At Walmart? 

To use Affirm at checkout, you must see that you pre-qualify or that your loan has been approved. Follow the steps below to use Affirm at checkout:

  • Visit Walmart in-store or online
  • Shop all Affirm-eligible products; non-eligible products will be financed using other options.
  • Choose your payment choice. You can choose an interest-free Affirm pay in 4 or payment in monthly installments.
  • Complete your payment.


  • You can manage your payment using the Affirm app or online.
  • You can set up AutoPay to make payments when due. 

Does Affirm Check And Affect Credit Scores?

Affirm checks customers’ credit scores before they are approved for loans. Although the minimum credit score is not specified, unconfirmed reports say at least 640 credit scores are needed before Affirm can approve a loan to anyone.

Customers that create an Affirm account to see if they qualify for loans can check if they pre-qualify for an Affirm loan. 

Checking if you qualify will not affect your credit score and you get to see the amount you can get loaned by Affirm.

Affirm Pay-in 4 and loans not longer than 3 months do not affect credit scores. 

Affirm loans longer than 3 months, the duration you have had a credit with Affirm, your payment history with Affirm, and how much credit you have used may affect your credit scores.

Note: It is not a must to use the full sum available to be loaned by Affirm, and you can only pay the loan back after making a purchase financed using Affirm.

How Is Payment Scheduled On Walmart Affirm?

Walmart Affirm payment schedule is based on the amount used to purchase products or services at Walmart.

Customers that use funds between $144 to $799 will pay their loans over 3, 6, or 12 months. The number of months used for payment depends on the customer’s choice; the higher the month, the higher the amount to be paid back.

Loans above $800 can be paid over 12, 18, or 24 months. That also rests on the decision of the customer.

What Interest Are Charged On Walmart Affirm? 

Walmart Affirm charges an interest between 0% to 30% APR. The interest charged on the loan approved by Affirm for purchase and services depends on the amount you applied for and the store you want to purchase at.

The interest to be paid will be added to the amount borrowed and will be shown upfront to the customer that wants to access it. 

The total amount is then divided by the number of months the loan will be paid. There are no hidden fees, late fees, annual fees, or fees to open or owe your account.

Affirm Pay-in 4 is interest-free and has 0% APR on it.

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