Walmart’s buy now pay later apps allow you to enjoy the convenience of buying your preferred products with no upfront costs.
Walmart boasts millions of items across numerous categories, making it highly probable that you will discover the product you need while exploring its extensive inventory.
There may come times when you require additional funds for your purchase at Walmart. In such cases, you have alternatives to using your credit card or opting for one of the buy now pay later service providers.
Best Buy Now Pay Later Apps for Walmart
Here below are the pay-in-4 apps and websites you can use for shopping at Walmart:
Affirm
Max Amount
$20,000
Usage
Direct
Tip: Affirm is readily accessible on Walmart, allowing you to buy now and pay later for any product, provided your shopping credit is sufficient to cover the purchase.
When it comes to shopping on the Walmart portal with the convenience of buy now, pay later, Affirm stands out as one of the prime options. It is seamlessly integrated into Walmart’s checkout process, making it a straightforward choice. All you need to do is select the “pay over time with Affirm” radio button when checking out.
Much like Klarna, this buy now, pay later app for Walmart allows you to make payments every two weeks, and the best part is that it does not accrue interest as long as you stay within the four-payment limit. However, for those high-value items that you prefer to pay off over a longer duration, there is a 15% annual percentage rate (APR) to consider.
Even though you have the option to activate “buy now, pay later” directly on Walmart by choosing the “pay with Affirm” button, you can also utilize your virtual card provided by Affirm as an alternative.
For those who appreciate convenient shopping extensions, Affirm offers a browser extension that makes it easy to access the “pay in 4” feature while visiting any shopping website. This versatile approach ensures you have various ways to take advantage of Affirm’s payment options while shopping online.
Walmart Overdraft
Max Amount
$200
Usage
Direct
Tip: Though not directly a buy now pay later option, the platform has an overdraft offering that can grant you up to $200 to use to complete your purchases if your shopping credit card balance is low for the items you intend to buy.
There are different kinds of credit and debit cards offered on the platform, including the Capital One Walmart Reward, One Debit Card, the Walmart MoneyCard, Green Dot, and the Reloadable Debit Card.
Each of these comes with an overdraft protection of up to $200 you can use to make purchases until you refund the cards.
Interestingly, you enjoy a lot of cashback when you shop through any of its support debit and credit cards powered by its partners hence, could be a good alternative to the buy now pay later apps on this list.
These cards come with a monthly fee but this can be waived as long as you maintain a minimum of $500 direct deposit every month.
Klarna
Max Amount
Varies
Usage
Alternate
Tip: Klarna enables you to make purchases on Walmart through various alternative avenues, including its in-app shopping feature, virtual card, and browser extension.
Klarna is a top-tier ‘buy now, pay later’ app that you should consider for installment payments when shopping on the Walmart portal.
Utilizing its mobile application, you can seamlessly access Walmart’s product offerings, add items to your cart, proceed to checkout, and then conveniently spread your purchase into four manageable payment schedules.
It also operates through a model that involves using a virtual card, which is automatically generated by Klarna when you provide your billing information. This virtual card is linked to your account, and while Klarna handles the entire payment to Walmart upon checkout, you are required to make an initial payment, with the remaining balance distributed to your line of credit every two weeks until the repayment is completed, up to a maximum of six weeks.
In addition to its mobile app, Klarna also offers a browser extension that serves as another option for utilizing ‘buy now, pay later’ on Walmart. By installing this extension on your preferred browser, such as Google Chrome, logging in, and accessing Walmart’s shopping portal, you can activate it during the checkout process.
This extension not only enables you to split your payments but also provides cost-saving suggestions by proposing more budget-friendly alternatives to the products you are viewing as well as discount coupon codes if any.
Zip
Max Amount
$1,000
Usage
Alternate
Tip: You can utilize your Zip account to acquire items at Walmart by shopping through the app, generating a single-use card, or using its browser extension.
Zip is among the top buy now pay later apps for Walmart, offering a distinctive model similar to some of the platforms with no direct integration.
Like other BNPL apps for Walmart on this list, Zip allows you to divide your purchase payments into four installments, payable over six weeks starting from the day of your checkout.
As there is no direct integration with Zip, you can conveniently shop on the Walmart portal through the Zip application. Simply search for Walmart on the mobile app, browse, and shop as usual. When you are ready to check out, proceed to the billing page, and click on the “Pay with Zip” button at the footer.
Virtual card details will be automatically generated and filled in for you, allowing you to complete the checkout process while making payments over six weeks, with transactions occurring every two weeks, facilitated by Zip.
Additionally, Zip offers a Chrome extension you can use to spread your purchase payments on the Walmart website, which you can install for splitting payments while browsing and shopping through the Google Chrome browser.
Afterpay
Max Amount
$1,500
Usage
Alternate
Tip: You can make four equal payments on Walmart using your Afterpay shopping credits by employing its one-time virtual card. Alternatively, you can obtain a gift card from one of its retail partners through the Afterpay app by performing a simple search.
Afterpay is also one of the popular ‘buy now, pay later’ apps for Walmart, offering a convenient method for managing purchase payments on the platform.
It provides the option to create virtual shopping cards that enable you to pay in four installments for your Walmart purchases.
Another method is to acquire gift cards from one of its retail partners, including Prezzee. These gift cards come in various denominations, ranging from $5 to $500, and can be used for completing your order payment.
To obtain a Walmart shopping gift card, you can start by searching for Walmart on the Afterpay mobile app or web portal. The search results will display the available gift card denominations. Simply select the value that aligns with your purchase amount, up to your total allowable credit. The chosen voucher code can then be applied on the Walmart page through the gift card payment option.
Typically, this electronic gift card is delivered to your preferred email address, and it will come from Afterpay’s trusted gift card partners.
Zilch
Max Amount
$1,000
Usage
Alternate
Tip: Zilch operates with a unique approach compared to other ‘buy now, pay later’ apps for Walmart. It exclusively offers a pay-in-4 debit card, providing a distinct method for managing payments on the platform.
Zilch is a noteworthy addition to the ‘buy now, pay later’ apps for Walmart, offering BNPL virtual cards that streamline the checkout process for your purchases.
This platform stands out with its intriguing split payment options and enticing benefits designed to enhance your shopping experience. When making a purchase, you have the choice to either settle the entire order cost using your Zilch card, which allows you to earn a 2% cashback, or opt for the convenience of splitting the product cost into four equal installment payments.
In addition to these perks, Zilch rewards you for referring friends to the platform, forming a tight-knit network of users. Each reward is valued at one cent, meaning you would need to accumulate 100 Zilch rewards to redeem $1.
To utilize this BNPL provider on the Walmart website, simply add the desired items to your cart, proceed to the checkout page, and provide your Zilch virtual card information for making payments.
However, before adding the card details, make sure to unlock the virtual card for debit transactions, as it is automatically locked when not in use. You can conveniently manage this by accessing your dashboard and navigating to the card section to enable it for your shopping needs.
PayPal
Max Amount
$1,500
Usage
Alternate
Tip: PayPal is directly available on Walmart and you might be able to use one of its financing tools. Alternatively, it provides a virtual card just like most of the buy now pay later apps for Walmart that you can use to spread the cost of your purchases.
PayPal is a notable player among ‘buy-now-later’ apps for Walmart shopping, providing a seamless and convenient experience for making purchases on various shopping platforms.
This platform, which has integration with numerous retailers, offers a convenient shopping experience when checking out on various merchants’ portals.
In terms of how it offers the experience when shopping, it is directly available as a payment method hence, you might be able to use either the Pay-in-4 or PayPal Credit or opt for its virtual card that you can use to complete your payment on Walmart.
The interest-free card is not limited to Walmart; it can be utilized for checkout on a wide array of platforms, providing you with the opportunity to make purchases from your preferred merchants and divide your payments into four installments.
Aside from the virtual card, another good reason you might want to consider using PayPal when shopping at Walmart is its long-term financing that is interest-free for up to four months, a feature that will allow you to spend up to $12,000 on high-ticket items.
Sezzle
Max Amount
$1,500
Usage
Alternate
Tip: With your Sezzle account, you have the option to pay in four installments on Walmart by utilizing the in-app functionality offered by the platform.
Sezzle is another valuable addition to this list of ‘buy now, pay later’ apps for Walmart, providing a convenient way to split your purchase payments into four manageable installments.
To make Walmart purchases using Sezzle, you can access this feature within the app. Simply search for the store name to embark on your shopping journey. Once you have added your preferred items to the cart and are ready to proceed, you can select the “Pay with Sezzle” button at the bottom of your app to complete your order.
Sezzle’s reach extends beyond just Walmart; you can shop on thousands of retailers’ platforms using this ‘pay-in-4’ provider, provided you have sufficient shopping credits available.
Furthermore, Sezzle’s app allows you to compare products from various merchants seamlessly, facilitating cost-saving decisions. This feature is particularly beneficial for accessing and evaluating products from its extensive network of merchants.
Sezzle offers versatility by providing a virtual card that can potentially be used for in-store shopping at select retailers by connecting it to your digital wallet.
An additional advantage of using Sezzle is its credit-building functionality, setting it apart from some other ‘buy now, pay later’ apps. The credit-building feature, known as “Sezzle Up,” does not entail any extra fees.
To enjoy these added benefits, you simply need to upgrade your account by connecting your bank account, adding your Social Security Number, and settling at least one order. This upgrade opens the door to credit-building perks associated with your Sezzle account.
Perpay
Max Amount
$1,000
Usage
Alternate
Tip: Perpay offers a shopping credit card that allows you to evenly distribute the cost of your payments on Walmart into four installments.
If you have concerns about your less-than-perfect credit history and are uncertain whether the ‘buy now, pay later’ apps for Walmart discussed here will grant you shopping privileges, you might want to explore Perpay.
Perpay stands out because it does not perform credit checks to determine your eligibility for your first split purchase. Instead, your spending limit is based on your income.
One compelling reason to opt for Perpay over other ‘buy now, pay later’ apps for Walmart is its capacity to facilitate credit building. As you consistently use the platform and make timely repayments within your agreed-upon tenor, your limit increases gradually.
The credit-building feature provided by Perpay is accessible through its Plus plan, which comes with a monthly cost. However, this fee is only applied when you use its ‘pay-in-4’ service for shopping. Furthermore, Perpay takes the initiative to report your financing activities to the major credit bureaus, including Experian, Equifax, and TransUnion.
In addition to helping you establish a positive credit history through regular usage, being on the Plus plan offers several advantages. These perks include access to smaller payment options, higher spending limits, and the convenience of monitoring your credit score growth through your dashboard.
For users with a regular account, when shopping at Walmart, the cart value must be up to $200 before you can utilize your purchasing credit. However, Plus users have the flexibility to use their purchasing credit for transactions of lesser value.
Tip: Plan It is a buy now pay later product from American Express and if you currently have an account, you already have access to it and you can use it to also pay in 4 through a preset model where you plan the purchase before you use your Amex credit card.
Unlike the conventional buy now pay later services, the American Express Plan It works differently and is only available for direct use to spread payments for air tickets on Delta Airlines and Amex Travels.
To use this service on Walmart and other shopping platforms, you will need to preset which speaks to its name of Plan It.
In order to use this option, you will need to log in to your American Express app locate the Plan It option, and schedule a payment to be added to your list of paylater transactions.
Once you have a preset transaction set for Walmart, using your credit card will be termed as a buy now, pay later order and you will be charged on a monthly basis with a fixed fee determined at the point of setting up the transaction.
Thanks to the excellent choices among the best ‘buy now, pay later’ apps for Walmart, you can now efficiently spread your shopping payments and allocate funds for other important expenses.
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