Does Walmart Have Layaway? Here’s How It ALL Works

Updated November 17, 2023 by Kyle James

In recent years, Walmart has gotten rid of their popular in-house layaway program due to lack of space. However, while Walmart doesn’t offer a traditional program, they still offer a “buy now, pay later” payment app service called Affirm. Therefore, if you’re looking to make a big purchase, understand that while there is no traditional Walmart layaway program available, there’s still the ability to give you some flexible payment options. Read on to learn more about Affirm and how you can make the most of it when shopping at Walmart.

Does Walmart Have Layaway? Here's How It ALL Works

How Do I Create a Walmart Layaway Account?

Although Walmart does not currently offer a traditional layaway program, they do have a partnership with Affirm which is a “buy now, pay later” app.

Here’s how to use Affirm at Walmart for in-store purchases:

1. Click here to see if you qualify for the amount you are looking to spend.

2. If you’re approved, you’ll then pick a payment plan (anywhere from 3 – 24 months).

3. Pick up items in store and scan barcode on Affirm app while checking out.

4. You’ll then have to make payments via the Affirm app.

The great thing about the Affirm app is you immediately get to take your purchase home without paying for it in full.

However, it’s important to note you may be charged interest when using Affirm, which is something to keep in mind.

See Also: Amazon Layaway: 10 Answers to All Your Questions

Are All Items Eligible?


All items are NOT eligible to be bought using the Affirm service.

Here are the eligible categories you can buy using the “buy now, pay later” service:

– Electronics

– Video Games

– Toys

– Home

– Arts and Crafts

– Musical Instruments

– Home Improvement

– Auto

– Sports & Outdoors

– Tools

– Baby

– Jewelry

– Apparel

Is the Price Locked In With Walmart layaway?

Walmart products with 0% financing

Yes and no.

While the price is immediately locked in when you buy the product and make payments off of it, there may interest charged on your total payment.

Although some select products may have an interest rate of 0% APR, others may have a rate anywhere from 10 – 30% which is something to keep in mind.

Is There a Required Deposit?


You don’t need to “put down” a certain amount of money upfront when shopping using Affirm.

You get to buy and take the item home, then pay scheduled payments via the Affirm app.

Can I Pay Off My Walmart Layaway Early?


If you decide to use Affirm, you can definitely pay off your balance early with no penalty.

This can be a great way to save money as you’ll avoid interest charges on the item(s) you buy with the Affirm service.

How Do I Make Payments?

If you decide to use Affirm, you’ll make payments directly on the Affirm app or online.

Here are the steps on how to use Affirm on

1. Shop on Walmart and when you go to check out, select the Affirm payment method.

2. Select the payment plan you want.

3. Download the Affirm app to complete your scheduled payments on-time, or pay online via

What Happens If I Miss a Payment?

If you do not pay your Affirm payment on time, you WON’T be charged a late fee.

However, you will keep getting reminders to pay your late payment.

Affirm asks that you contact them to let them know that you’ll be missing payments and they’ll work with you on a resolution.

If you continue to miss and not pay off late payments, this can negatively affect your credit score and your likelihood of being able to use Affirm with other purchases in the future.

See Also: Here’s a Clever Workaround to Use Apple Pay at Walmart

Is Layaway for In-Store Shopping Only?


You can use the Affirm “buy now, pay later” service both online and in-store.

Currently, Walmart does not offer a traditional layaway program, so they direct customers to use Affirm.

Ask the Reader: Have you taken advantage of layaway at Walmart? Was it an easy process or not worth it?

By Kyle James


Notify of

This site uses Akismet to reduce spam. Learn how your comment data is processed.

1 Comment
Inline Feedbacks
View all comments

Do not use afirm!!! This company will take advantage of you. You pay high interest rates. Most importantly, if you return an item to Walmart or anywhere else that you purchase it from, you have to get your money back through afirm and they make it almost impossible to get a refund.