OnePay Later with trade up

What is OnePay Later with trade up?#

OnePay has partnered with Klarna, a global leader of buy now, pay later services, to offer OnePay Later with trade up.

OnePay Later with trade up lets you purchase the Macbook Neo online at Walmart.com with monthly payments over a period of 36 months. The total price of the device is split into two parts:

• Monthly payments - You’ll make 36 equal monthly payments with APR ranging from 9.99% - 35.99% based on your credit¹

• Final payment -  After your monthly payments have ended, there’s a  37th final payment, which covers the remaining balance on the device. This final payment has 0% APR^1.

At the end of your payment plan, you have the following options:

Upgrade. Trade in your device for a new one and apply for a new payment plan. The trade-in value will depend on the device’s condition, and it will be applied toward your final payment. 

Return. Send your device back to receive credit toward your final payment, depending on the device’s condition.

Keep. Make the final payment, and the device is yours to keep.

To ensure you receive full credit for the final payment, your device must meet the criteria to be in good working condition.

How do I qualify for OnePay Later with trade up?#

To apply, shop the MacBook Neo and select OnePay Later at checkout. You can then complete the application during the purchase process.

If available, you may be automatically considered for a trade up plan for your MacBook. Eligibility can vary, and not all customers will qualify. In some cases, a down payment may be required.

How do I make a payment?#

To make the next payment due for a loan(s):

• Open the OnePay app

• Tap on Pay Later from your Home tab

• Select Pay next to the loan you wish to make a payment for

• Follow the on-screen instructions to complete your payment

This will initiate a payment on the selected loan. If you pay more than your payment amount, it will be applied to the principal balance.

How can I change my payment method on file?#

• Open the OnePay app

• Select the Home tab

• Tap Pay Later

• Select the Loan from the list

• Select the Payment Method button

• From here, you may view and manage your autopay status and your payment methods

How does an upgrade work?#

When it's time to trade in your device, we will send you the necessary information and timelines that you need to follow.

To be eligible, the OnePay Later with trade up term length of 36 months must have passed.

First, choose the eligible Macbook you’d like to trade in for an upgrade at Walmart. This will require applying for and starting a new OnePay Later with trade up payment plan.

Then, send back your old device in good working condition (see criteria here)  to receive full credit for your final payment. All of the necessary shipping materials will be provided for you to send back your old device.

What criteria must be met to be eligible to trade in or to return your device?#

The following conditions must be met to be eligible to trade in or to return your device.

• The device must have been purchased using OnePay Later with trade up

• The full term length of the monthly payments must have passed: 36 months.

• The device must be in good working condition to receive full credit

Good working condition

• You will receive 100% of the value of the final payment. 

• Examples:

  • Normal wear and tear

  • No functional damage

  • Minor cosmetic imperfections

Fair working condition

• You will receive 50% of the value of the final payment.

• Examples:

  • Screen damage - cracked or broken

  • Body damage - light scratches or small dents

  • Wear and tear does not affect device’s functionality

Poor working condition

• You will receive 0% of the value of the final payment.

• Examples:

  • Significant damage to the body

  • Broken charging port

  • Broken buttons

  • Activation lock - FMiP/anti-theft lock is not disabled

  • GSMA lost/stolen - device IMEI automatically queried against the database