How does Affirm work at Walmart (Guide)

If you want to use Affirm at Walmart, you can apply for a loan through Affirm and wait for approval before making any in-store purchases at Walmart. To find out what steps to take, read on to the conclusion of this article.

It’s not possible for all of us to purchase things with just a single payment.

Therefore, in order to purchase pricey items, we search for a method of payment that will allow us to make payments in installments.

Customers are able to use the service known as “Affirm” to make these kinds of payments at Walmart.

Affirm is a financial technology company that enables consumers to make purchases immediately while deferring payment for up to six months.

Walmart through their partnership with Affirm has created a provision with the help of which customers can make convenient and cost-effective monthly payments both online and in-store.

As an alternative to placing an item on future purchases, you have the option to buy the item right away and make payments at your own according to your convenience over a period of time ranging from three to twenty-four months.


Does Walmart take Affirm

Yes, Walmart does take Affirm as a credible source of payment. Affirm can be used as a mode of payment for purchases between $150 and $2,000 in total.

With Affirm as an available option for payment, customers will be able to shop for thousands of items, including those related to electronic goods, homewares, automotive, furniture, and sports equipment at Walmart Supercenters across the country with the exception of those in the states of Iowa, West Virginia, and Puerto Rico, as well as online.

Can I use Affirm in store at Walmart

Yes, you can use Affirm in store at Walmart.

You can select Affirm as a payment option and take a loan to pay for the purchases you have made at

Applying for an Affirm loan will enable you to use Affirm as a payment method at Walmart beginning from the year 2022.

After the loan has been approved and loaded onto your virtual card, you will be able to make payments at Walmart for select products both in-store as well as online.

Can I use Affirm virtual card at Walmart

Yes, you can definitely use an Affirm virtual card at Walmart. Once your application for an Affirm loan is accepted through the mobile app or on website, you will receive a Walmart Affirm virtual card that you can use to load the amount of loan you have applied for.

Walmart customers can use the Affirm virtual card to pay for purchases made in-store or online, but it can only be used once.

The card can be used to pay for purchases made at Walmart.

Furthermore, it is essential to be aware that the validity of the virtual card is only valid for twenty-four hours after it has been issued, and that it may be cancelled at any time up until the point at which it becomes invalid.

In either scenario, you won’t be responsible for paying anything to Affirm as long as you don’t use any of the money on the Walmart virtual card.

In addition, any unused balance on the virtual card will not be included in the repayment plan following the completion of the purchase.

After the funds from your loan have been transferred to your Affirm virtual card, you will be able to use it as a means of payment at Walmart by picking the credit card option, and then clicking on “Affirm.”

In addition, you can use the Affirm app, your online Affirm account, or the confirmation message that is delivered after your request for a virtual card has been approved in order to access the virtual card and make payments using this.

You can even make online payments at using an Affirm Virtual Card by following the steps given below:

  • Step 1: Proceed to the checkout section.

  • Step 2: Choose the payment method “Credit Card”

Choose the payment method “Credit Card” from the drop-down menu.

  • Step 3: Simply enter the number of the virtual card

Simply enter the number of the virtual card that was provided (usually 16 digits).

  • Step 4: Fill in your billing address.

  • Step 5: Finish up with the checkout.

How does Affirm work at Walmart

How does affirm work at walmart

Before making a purchase at Walmart using Affirm, customers must first apply for a loan through Affirm and wait for approval.

The steps needed to accomplish this are outlined below:

  • Step 1: Submit your loan application to

You are required to submit your loan application to or

  • Step 2: Choose the plan that best suits your needs

Choose the plan that best suits your needs for making the payment.

  • Step 3: Wait till you get the approval for your loan request.

  • Step 4: Scan the one-time barcode

Scan the one-time barcode that is provided at the cash register.

Affirm allows you to complete the process of repaying your loan online.

People who are financially unable to make a lump sum payment often choose this option. If you need to buy something pricey from Walmart, this is a good alternative to consider.

You can spread the cost over 3, 6, or 12 months for purchases between $144.01 and $799.99. Conditions must be met in order to participate.

Depending on your needs, you can spread the cost of purchases between $800 and $2,000 over 12, 18, or 24 months. Please read the disclaimer carefully.

What can you buy with Affirm at Walmart

Affirm is available for purchases that qualify between the amounts of $150-$2000, including tax. These include electronics & Office supplies, home decor, apparels, jewelry, automotive car care goods, sporting goods, lawn & garden products, toys, etc.

In order to use Affirm for your purchases, your shopping cart must only contain eligible items.

Eligible categories include Electronics & Office supplies, Home decor, Apparels, Jewelry, Automotive car care goods, sporting goods, Lawn & garden products, Toys, etc.

There are some types of goods that cannot be purchased by using the Affirm payment option, like Alcohol, Consumables for infants, Gasoline, Food and household goods, Merchandise present at the register, Miscellaneous supplies, Services related to money, Personal care products, Pet supplies, Medications, health, and overall wellness products, Limited-time period items, Tobacco, Weapons, ammunition, air guns, gun accessories, and hunting supplies, Plans for wireless Internet service, 1-hour photo.

Can You Use Affirm To Buy Groceries At Walmart? 

Sadly, Affirm cannot be used to pay for grocery purchases made at Walmart.

Customers have the ability to use Affirm as a form of payment for purchases ranging from $150 to $2,000.

However, Affirm cannot be used for the purchase of certain goods, including groceries, alcoholic beverages, tobacco products, prescription medications, weapons, and personal care products.

If consumers want to purchase an item that is on the ineligible list, you will need to find an alternative method of payment, such as a credit card, cash, or any other mode of exchange that is acceptable to you.

Even though this might seem like a limitation, using Affirm allows you to buy a large variety of items at Walmart, so don’t let it discourage you.


Final Words

Customers can use Affirm at Walmart both online and in physical stores to take advantage of the convenient “buy now, pay later” payment plan.

Customers looking for long-term payment methods will find that using Affirm to pay for their Walmart purchases is among the best options available to them.

The use of affirm can be accomplished in a very uncomplicated and trouble-free manner. The fact that there are no additional hidden costs is the primary advantage.

After creating an account with Affirm, you will have access to its services both online and offline. After the approval of your loan, you will be able to use the money to pay for the items you wish to purchase.

Affirm also provides payment plans, with terms ranging from three to twenty-four months, depending on the total amount of your Walmart order as well as your credit history.

You will have access to a number of select products in the store when you take advantage of this straightforward method for spreading the cost of your purchases out over the period of your preferred payment plan.

Try out Affirm at Walmart if you want to enjoy such perks for yourself!