The flexible way to pay at Walmart with OnePay Later

Klarna has partnered with OnePay to bring flexible pay over time options to Walmart shoppers through OnePay Later. With OnePay Later, you can shop at Walmart.com, in the Walmart app, or in-store and pay in smaller, fixed, payments. Simply add what you need into your shopping cart, choose OnePay Later at checkout as your payment method, and if approved, choose a payment plan that fits your monthly budget. You’ll receive your full payment schedule, including details of your first due payment, by email once your purchase is processed by Walmart. You can also manage your payments in the

• The Annual Percentage Rate (APR) for purchases is between 9.99%-35.99%¹

• OnePay Later loans are powered by Klarna and issued by WebBank

Eligibility is determined at checkout by Klarna and is based on several factors, including a
soft credit check and information you provide in your application. OnePay Later is not available in West Virginia.

In order to apply for OnePay Later, you must:

• Be a U.S. resident with a valid U.S. address

• Be at least 18 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, it may not be available for your order.

Just select OnePay Later when checking out at Walmart.com, in the Walmart app, or in-store. 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.

There are no impacts to your credit score when you apply. Klarna and 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 bureaus - TransUnion and Experian, 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.

You can apply during checkout on Walmart.com or in the Walmart app. If you’re approved, OnePay Later will be used to complete your Walmart purchase.

We are currently rolling out OnePay Later to Walmart stores nationwide. If you don't see OnePay Later at your local Walmart store, check back again soon.

Annual Percentage Rates (APR) range from 9.99% to 35.99%.¹

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.

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

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

You can pay over time in several categories, 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

These Walmart.com categories are non-comprehensive and subject to change without notice. To purchase any finance-ineligible items, you'll need to provide an alternative form of payment.

Yes, you can return an item you bought with OnePay by starting the return process with Walmart.

You can make a payment on a OnePay Later purchase anytime by logging into your Klarna or OnePay account and selecting the Pay button. There are no fees or penalties for paying off your loan early, and doing so may lower your total interest.

A late fee of up to $7 will be applied to your loan. Interest accrues daily on your outstanding balance, so late or partial payments can increase the total cost of your loan.

Your full payment schedule, including details about your first due payment, will be emailed after Walmart processes your order. If a down payment is required, it’s due at the time of purchase. By default, your monthly payments will have to be done manually, but automatic payments can also be enabled with Autopay.



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

• Tap “Pay Later” on the home tab in the Klarna app or OnePay app

• Select “Pay” next to the appropriate purchase

• Follow the prompts to complete your payment

To enable Autopay for automatic payments:

• Tap “Pay Later” on the home tab in the Klarna app or OnePay app

• Choose the purchase for which you want to update your payment method

• Tap the arrow next to “Autopay On”

• Select the arrow next to your current payment method, then select where you’d like your Autopay payment to come from

Your loan will be reduced to the amount that you actually spend, and you’ll only be charged based on that amount.