Pay over time at Sam's Club

Sam's Club is Walmart's membership warehouse club, selling groceries, electronics, furniture, tires and household goods in bulk. We confirmed Affirm and Synchrony credit card here.

Ways to pay over time

Options and terms can change and depend on your credit. Confirm at checkout before you accept.

Pay later

Affirm

Minimum purchase
Often $50
APR
0% to 36%
Credit check
Won't affect your score

Checked Nov 10, 2026 The Meedsy team confirmed Affirm on the store’s website

Store offer, minimum and plan lengths are from Sam's Club’s website. APR and credit check are Affirm’s general terms.

All Affirm stores and terms

Store credit card

Synchrony credit card

Name at checkout
Sam's Club Mastercard
APR
Promo offers, then the card's purchase APR (34.99% on new Synchrony HOME cards)
Credit check
Credit card application

Checked Nov 14, 2026 Synchrony Bank issues the Sam's Club Mastercard, checked on Synchrony's website

Store offer, minimum and plan lengths are from Sam's Club’s website. APR and credit check are Synchrony credit card’s general terms.

Synchrony financing: how it works

How to pay over time at Sam's Club

  1. Add what you want to your cart on samsclub.com.
  2. At checkout or on the store’s financing page, choose Affirm or Sam's Club Mastercard.
  3. Each one runs its own check. The cards above show which use a soft check and which can affect your credit.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about Sam's Club financing

Does Sam's Club offer financing?

Yes. We confirmed Affirm and Synchrony credit card at Sam's Club on Nov 14, 2026. The Meedsy team confirmed Affirm on the store’s website. Options can change, so check at checkout before you buy.

Will checking my rate at Sam's Club affect my credit score?

Checking your plans with Affirm does not affect your credit score. If you take a loan, Affirm reports it to Experian, including Pay in 4.

Can I use Affirm in a Sam's Club store?

We checked online shopping at Sam's Club only. If the store has physical locations, ask there whether financing is available.

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