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Walmart Layaway for 2023 has changed in a BIG way. See what service they offer now and how it differs from years past.
Walmart Layaway 2023… Does Walmart Still Have Layaway?
YES, it's early in the year – but many of us are probably starting to make a plan for Christmas and Christmas gifts. Walmart has had some fantastic deals lately and is always a great place to grab some amazing gifts – but what about their layaway program for this year?
Walmart Layaway 2023 again is partnering with Affirm – making the typical days of laying away your items in store then picking up later a thing of the past. But is it a good idea to use a buy now, pay later service like Affirm for your layaway? And how does that actually work?
How does the Walmart Layaway program work when you use Affirm?
Walmart has made a BIG change again this year to layaway services. In the past, you could take your items to customer service, pay a portion of your cart total, and then make payments at the store.
For 2023, we are again seeing Walmart no longer offering this in store service and you will need to use the buy now, pay later service called Affirm to pay for your items if you wish to use any form of Walmart's layaway program.
Here is how to use Affirm with Walmart Layaway:
1 – If you're wanting to buy your items in store, you need to first go to Affirm.com/walmart and see if you will qualify for the amount you're expecting to spend. It doesn't hurt your credit score to have this checked, but it may affect your credit if you sign up and complete a loan through affirm.
2 – If you are approved, you will pick your payment plan. This may vary from 3 – 24 months and you will likely be charged interest. We definitely don't advocate going into debt for Christmas, so if you can save for Christmas other ways, definitely use those!
3 – Next, you'll need to pick out your items in store, take them to the checkout, and then scan the barcode that Affirm provided you. You will need to make all of your payments online or through the Affirm app on your phone.
Looking for a more typical layaway service for your items? We were tickled to see that Burlington still offers traditional layaway!
Walmart and Affirm Buy Now Pay Later are available for the following categories:
- Cameras & Supplies
- Toys (check out the top 36 holiday toys we saw last year!)
- Sporting Goods
- Cooking & Dining
- Home Decor
- Fabrics & Crafts
- Wireless (excludes wireless phones that require contracts)
Now – the big question – Is Walmart Layaway with Affirm WORTH it?
We never advocate going into debt, especially for gifting. Occasionally with affirm you may be offered a 0% interest rate, but even then, it is typically a limited time offer.
Walmart doesn't offer direct payments through other buy now, pay later services like Klarna or Zip Pay, but you can use a “ghost card” through those services if you'd prefer to use them. Remember that they're still likely going to charge interest and will not have as long as a pay back period as Affirm offers.
Want to get an idea of what sales for Black Friday were last year to get ready for holiday shopping? Here's what we saw for Walmart Black Friday Sales last year!
More deals today:
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