The flexible
way to pay

OnePay Later is a buy now, pay later payment option that lets you pay for qualifying purchases over biweekly or monthly payment plans. You can use OnePay Later at Walmart online, in store, or in the Walmart app.

You can use OnePay Later anywhere you shop at Walmart — in stores, on Walmart.com, or in the Walmart app.

You can apply for OnePay Later at Walmart stores, Walmart.com, or in the Walmart app. If approved, you can select a payment plan and complete your purchase.

Eligibility is determined by WebBank and may include a soft credit check and information provided during your application. To apply, 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

• Have a valid debit card or bank account

• Be able to receive verification codes via text message

You can finance many categories at Walmart, including electronics, home, apparel, jewelry, automotive, sporting goods, lawn and garden, toys, durable baby goods, hearing aids, and durable medical devices. Certain items—such as alcohol, groceries, gift cards, tobacco, pharmacy products, personal care, pet consumables, and money services—are not eligible. These categories are non-comprehensive and subject to change without notice.

Monthly financing annual percentage rates (APR) range from 9.99% to 35.99%. 0% interest Pay in 4 options may be available. If approved, you may be offered payment plan options of up to 36 months.¹ Your APR and total interest will be shown before you accept the offer.

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

If approved, OnePay Later can be used for eligible purchases between $25 and $6,000. Not all items are eligible for financing.

You can manage your loan and make payments in the OnePay app or by logging into our website using a linked debit card. 

You can make individual payments and set up autopay using the OnePay website or app (available on iOS and Android) to manage your loan. OnePay and Klarna will also send reminders before payments are due. You can view your payment schedule, enable Autopay, and make payments at any time without penalty for early payoff.

There are no impacts to your credit score when you apply for OnePay Later. Klarna and their Bank Partners perform a soft credit check, which does not affect your credit score and will not be visible to other lenders. Klarna shares information about loans and your repayment activity with the credit bureau, TransUnion, such as if you pay on time, or make late payments or fail to pay. For now, the shared data will not impact your score as it is only visible to you. Other institutions currently are not able to view the payment history on your loan/s.

If you miss a payment, a late fee of up to $7 may apply, and interest may continue to accrue. Late payments may also be reported to credit bureaus. For returns or cancellations, refunds from Walmart will be applied to your loan balance, and any remaining credit will be returned to you.

You can use OnePay Later to split your Walmart in-store purchase into smaller, manageable payments. 
  Here's how: 

• Apply before you shop. Look out for OnePay Later signage to scan our QR code before your purchase—or click here.

• Request an amount to spend. We’ll adjust the payment plan based on your final purchase amount.

• Choose a plan. Select the payment plan options that work best for you. If approved, we’ll send you a confirmation email and text with a barcode.

• Scan and checkout. At the register, use your barcode at the register to complete your purchase.

OnePay has partnered with Klarna to bring you buy now, pay later options at Walmart and beyond. Now you can choose to pay over time, in-store and online, with plans powered by Klarna. Loans available through Klarna and OnePay are issued by WebBank. Learn more.