What Can You Buy with Affirm at Walmart? Your Definitive Guide

Affirm has revolutionized the way we shop, offering flexible payment plans for a wide range of products. At Walmart, this partnership opens up a world of possibilities, allowing you to purchase what you need now and pay for it over time. In short, with Affirm at Walmart, you can purchase almost anything available both online at Walmart.com and in-store (where available). There are some limitations, and those generally involve services, gift cards, and items sold by third-party sellers online.

Decoding the Affirm & Walmart Partnership

The integration of Affirm with Walmart is a strategic move benefiting both consumers and the retailer. It empowers shoppers with increased purchasing power, making big-ticket items more accessible. For Walmart, it means higher sales volume and customer satisfaction. But let’s dive into the specifics of what you can and cannot buy with Affirm at Walmart.

Broad Acceptance, with Nuances

As mentioned, most products sold directly by Walmart are eligible for Affirm financing. This includes:

• Electronics: TVs, laptops, tablets, smartphones, gaming consoles, and accessories. If you’ve been eyeing that new 4K television or a powerful gaming rig, Affirm can help you make it happen.
• Home Goods: Furniture, mattresses, appliances (large and small), décor, and kitchenware. Spruce up your living space without breaking the bank.
• Outdoor & Sporting Goods: Grills, patio furniture, exercise equipment, camping gear, and bikes. Get ready for summer adventures with manageable payments.
• Baby & Kids: Strollers, car seats, nursery furniture, toys, and clothing. Provide the best for your little ones without straining your budget.
• Automotive: Tires, car batteries, and other automotive accessories (installed services are generally excluded). Keep your vehicle running smoothly with flexible payment options.
• Clothing & Shoes: Apparel and footwear for the whole family. Refresh your wardrobe without emptying your wallet.
• Jewelry: Fine jewelry to celebrate your special occasions.

Items Typically Excluded From Affirm Financing at Walmart

While the list of eligible items is extensive, certain categories are generally excluded:

• Gift Cards: Walmart gift cards and other prepaid cards are almost always ineligible.
• Services: Installation services, warranties, and other service-related purchases are usually not covered by Affirm.
• Third-Party Sellers (Online Marketplace): Items sold by third-party sellers on Walmart.com may not be eligible for Affirm. Always check the product page for eligibility information, especially if it says, “Sold and shipped by [Seller Name].”
• Prescription Medications and Healthcare Services: These are rarely, if ever, eligible for financing.
• Certain Groceries: While some grocery items may be included in larger purchases, using Affirm primarily for groceries is typically not an option.
• Alcohol & Tobacco Products: These are usually excluded due to regulatory reasons and company policy.

How to Check Eligibility

The easiest way to determine if an item is eligible for Affirm financing at Walmart is to:

1. Shop Online: Look for the Affirm logo and payment options displayed on the product page on Walmart.com. A prequalification link may also be present.
2. Shop In-Store: Ask a Walmart associate about Affirm eligibility before making your purchase. The checkout terminal will also indicate if Affirm is available for your total purchase.
3. Start the application process: Adding products to your cart and proceeding through the Affirm application will show you which items are eligible based on your specific credit approval.

Affirm at Walmart: FAQs Answered by an Expert

Navigating the world of financing can be tricky. Here are twelve frequently asked questions to help you understand how Affirm works at Walmart.

1. What credit score is needed to use Affirm at Walmart?

Affirm doesn’t disclose a specific minimum credit score. However, a good credit score significantly increases your chances of approval and may result in more favorable interest rates. They consider various factors, including your credit history, income, and payment history.

2. Can I use Affirm for online purchases at Walmart.com?

Yes, you can use Affirm for online purchases at Walmart.com for eligible items. Look for the Affirm option at checkout.

3. Can I use Affirm for in-store purchases at Walmart?

Yes, Affirm is available for in-store purchases at most Walmart locations. Check with your local store for availability.

4. What are the interest rates like when using Affirm at Walmart?

Affirm’s interest rates vary depending on your creditworthiness and the loan term. Rates can range from 0% to 36% APR. You’ll see the exact interest rate and monthly payment amount before you finalize your purchase.

5. Are there any hidden fees when using Affirm at Walmart?

No, Affirm does not charge hidden fees. They are transparent about their interest rates and monthly payments. You won’t encounter any prepayment penalties or late fees (although late payments can impact your credit).

6. How do I apply for Affirm at Walmart?

You can apply for Affirm during the checkout process online or at the point of sale in-store. You’ll need to provide some personal information, including your name, address, date of birth, and Social Security number. Affirm will then perform a credit check.

7. What happens if I return an item purchased with Affirm at Walmart?

If you return an item, Walmart will process the return as usual. Affirm will then adjust your loan balance accordingly. Depending on the timing of the return, you may receive a refund from Affirm or have your loan balance reduced.

8. Can I pay off my Affirm loan early?

Yes, you can pay off your Affirm loan early without any prepayment penalties. This can save you money on interest charges.

9. What happens if I miss a payment with Affirm?

While Affirm doesn’t charge late fees, missing a payment can negatively impact your credit score. Contact Affirm as soon as possible if you anticipate difficulty making a payment to explore available options.

10. Is there a limit to how much I can finance with Affirm at Walmart?

Yes, there is a financing limit. This limit is determined by Affirm based on your creditworthiness and other factors. You’ll see your approved spending limit when you apply.

11. Can I use Affirm to buy groceries at Walmart?

While you might be able to use Affirm for a large order that includes some grocery items, using Affirm primarily for groceries is generally not possible. Focus on higher-value items when using Affirm.

12. What if my Affirm application is denied?

If your Affirm application is denied, you can try again later after improving your credit score or addressing any issues that may have led to the denial. You can also explore other financing options.

Making Informed Decisions with Affirm

Using Affirm at Walmart can be a smart way to manage your budget and make larger purchases more affordable. However, it’s essential to understand the terms and conditions of your loan, including the interest rate and repayment schedule. Always borrow responsibly and ensure you can comfortably afford the monthly payments. By being informed and strategic, you can leverage the benefits of Affirm to enhance your shopping experience at Walmart. Remember to always check for the Affirm availability on the product pages to ensure your purchases can be completed via this payment method.