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Walmart used to have layaway, but now customers can buy now and pay later through Affirm

Walmart used to have their infamous layaway program for the holidays, but have since updated it to a “buy now, pay later” program.

Walmart has partnered with the lending company Affirm to offer the program to its customers.

This program will allow customers to purchase a product immediately and take it home to make payments on over time.


A Walmart spokesperson explained that last season the layaway option was no longer available except for certain jewelry in certain locations, but based on what the company has learned, they believe the option to make payments is what’s best for customers.

People can use this program for electronics, toys, and home products. They may not use it for alcohol, gas, or pet products.

A full list of products available for this program can be found here.

Options for financing can last from 3 to 24 months. Products between $144–$799.99 can be paid off over 3, 6 or 12 months and products between $800–$2,000 can be paid off over 12, 18 and 24 months.

Payments are to be made through Affirm.com or the Affirm app.

0% APR is only available on certain products during a promotional period, and the rate for everything else is between 10% and 30% depending on the credit of the purchaser.



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