Does Walmart Take Affirm in 2023? Full Guide

Affirm is one of the leading fintech companies working under the principle of buy now and pay later. The company lets you finance your purchase which you can repay at a later date.

Most people use it for online shopping, and what better store than to shop at Walmart?

Walmart is a one-stop store for consumers in the United States and Canada. But does Walmart take Affirm? Let’s find it out.

Does Walmart Take Affirm in 2023?

Yes, Walmart takes Affirm as payment for in-house and online purchases. The retail giant announced a partnership with Affirm in 2019.

While checking out at Walmart, you can select Affirm as your payment method and pay from their mobile app or

For in-store purchases, customers receive a barcode which the store representatives scan to complete the purchase.

You can select monthly installments of your choice, such as 3 months, 6 months, 12 months, etc. Interest is charged on transactions according to Affirm policy.

There is no hidden or late fee for using Affirm at Walmart. Some items are not eligible for purchase by using Affirm.

Apart from Walmart, you might also like to know if Amazon takes Affirm or not.

Does Walmart Take Affirm

Why is Affirm Not Showing Up on Walmart?

There can be several reasons Affirm is not showing up on Walmart as a payment option. The outdated app, unstable connection, app’s cache getting corrupted, and others are common reasons.

Another very common reason for this issue is overdue payments. If you have any overdue payments, Affirm will not show up as a payment option at checkout.

Clear your payments and see if the error is fixed or not. Also, some items are sold by third-party vendors who are not eligible for purchase using Affirm.

Also Read: Does Walmart take Google Pay

How Do I Use Affirm Virtual Card on Walmart?

An Affirm card is a card in which you can load your balance amount and pay for online transactions or in-store purchases.

To create a virtual card, follow the steps below:

  1. Download the Affirm app and “Search for your store” in Affirm App.
  2. Apply for a virtual card by putting in the loan amount.
  3. Add this virtual card to your Affirm wallet and use it for online and in-store purchases.

This virtual card is just like any other credit card. At Walmart checkout, select credit card as your payment method.

Use this card’s 16-digit number and enter the billing address to complete the transaction. This card can also be canceled any time before it expires.

Click “Cancel Card” in Affirm app or at to cancel your Affirm virtual card. This virtual card is a single-use card that expires after 24 hours.  

What Items Are Not Eligible for Affirm at Walmart?

Affirm has a general list of items on its website for which loans can’t be used. For Walmart specifically, Affirm can’t be used for purchasing items such as:

  • Alcohol
  • Tobacco
  • Groceries
  • Pharmacy and personal care
  • Firearms and money services

What Can I Buy With Affirm at Walmart?

Besides the items listed above, almost every other product can be financed through Affirm at Walmart.

You can get everything from electronics to furniture and from appliances to sports equipment by using Affirm buy now and pay later option.

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Can I Use My Affirm Virtual Card Anywhere?

Affirm’s partnership with thousands of small and big retailers allows consumers to use Affirm’s virtual card almost everywhere.

Affirm partner stores include:

  • Walmart
  • Peloton E-Commerce
  • Amazon
  • Pottery Barn
  • Target
  • Sony Electronics Inc.

You can see the complete list of Affirm’s partner stores on their website.

Can I Use Affirm to Get Gas?

No, Affirm cannot be used to pay for gas. Currently, there isn’t any option in Affirm app or website to buy gas using Affirm.

However, affirm’s rivals Klarna and Zip are offering this facility to their consumers after the recent hike in gasoline prices globally.


Affirm is an excellent way to buy goods if you are short of money. The flexible “Buy now and pay later” feature has made it easy for customers to buy necessities when short on money.

Affirm charges interest from 0%-30% API, which varies from transaction to transaction. For Walmart, Affirm has its payment plan from 3 months to 2 years, depending on your credit history and transaction total.

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