About OnePay Later at Walmart, powered by Klarna

What is OnePay Later at Walmart? #

With OnePay Later at Walmart, you can make purchases at Walmart stores, Walmart.com, or in the Walmart app with smaller, fixed, monthly payments. Simply add what you need into your shopping cart, scan the QR code in store, or choose OnePay Later at checkout as your payment method, and if approved, choose a payment plan that fits your monthly budget. The option to use OnePay Later at Walmart is only available to a limited number of customers at this time through the Walmart checkout process online or in app.

Who is Klarna?#

OnePay has partnered with Klarna, a global leader of buy now, pay later services, to offer OnePay Later. We work with Klarna and their partner banks to offer plans that fit a range of budgets. Klarna handles all servicing until your purchase is fully paid off.

Who can use OnePay Later at Walmart?#

Eligibility is determined by Klarna and is based on several factors, including a soft credit check and information you provide in your application.

In order to apply for OnePay Later at Walmart, you must:

Be a U.S. resident with a valid U.S. address
Be at least 18 years old with a valid Social Security number (SSN)
Have a valid debit card or bank account
Be able to receive verification codes via text message

If OnePay Later doesn’t appear at checkout while shopping online or in the app, it may not be available for your order.

How do I apply for OnePay Later at Walmart?#

Scan the QR code located on the OnePay Later signage at a Walmart store near you, or choose OnePay Later when you check out at Walmart.com or in the Walmart app. If approved, you will be presented with up to three payment plans. Choose the best plan for you, and then complete your purchase. You may be eligible to pay over time with OnePay Later on purchases between $50 and $6,000.

Where can I use OnePay Later at Walmart to make a purchase?#

You can apply during checkout on Walmart.com or in the Walmart app. If you’re approved, OnePay Later at Walmart will be used to complete your Walmart purchase. When applying in-store, bring your items for purchase and the OnePay Later barcode you received by text or email to scan as payment when checking out.

Can I apply for OnePay Later at Walmart in a Walmart store?#

Locate the OnePay Later in-store signage at your local Walmart store to scan the QR code and apply.

What are the interest rates on OnePay Later at Walmart?#

Annual percentage rates (APR) for monthly financing range from 9.99% to 35.99%.

Your APR will be shown when you select a payment plan. You’ll see the total interest amount before accepting the offer. If you pay off your loan early, you may reduce the total interest you pay.

Are there fees for using OnePay Later at Walmart?#

There are no fees when you pay on time. If a payment is late, a late fee of up to $7 will apply.

How big of a purchase can I make with OnePay Later at Walmart?#

If approved, OnePay Later at Walmart can be used on purchases between $50 and $6,000. Your OnePay Later at Walmart purchase amount will be based on the items in your Walmart shopping cart and your OnePay Later at Walmart application details. Not all items are eligible for OnePay Later.

What items are eligible to pay over time with OnePay Later at Walmart?#

You can pay over time in many categories at Walmart stores, Walmart.com, or in the Walmart app, including:

Electronics
Entertainment
Home
Apparel
Jewelry
Automotive
Sporting Goods
Lawn & Garden
Toys
Durable Baby Goods
Hearing aids and durable medical devices

Certain categories are ineligible for financing, including:

Alcohol
Baby consumables
Gasoline
Groceries & food
Tobacco
Weapons & accessories
Pharmacy, health & wellness
Pet consumables
Personal care
Money Services
Wireless service plans
1 hour photo
Gift Cards

How can I view my previous loans that have been paid off?#

You can access paid-off loans in the OnePay app. To view your paid-off loans, follow these steps:

Tap on Pay Later from your home tab in the OnePay app
Select the ‘Past’ section
Select the loan you wish to view