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The Best Gifts to Buy Now and Pay Later at Walmart (with Affirm)

Tight budget? Trying to plan for the holidays or take advantage of all the early Black Friday deals that dropped this year? One of the best ways to sort out impulse buys, and everything else, is to utilize Affirm, the buy now, pay later service offered at Walmart. With all of the shortages, shipping delays, and similar supply chain problems coming down the pipeline, we don’t blame you for not wanting to wait! We wouldn’t recommend doing so either, especially if there’s something you really want.

Through Walmart and Affirm you can finance your in-store or online purchases, allowing you to buy items right then and there, but pay later through monthly installments. Below, we’ll cover all of the best gifts to buy now, pay later, plus briefly answer some questions about the program. You can also start shopping right away if you want to browse on your own!

How Does Affirm and Walmart’s Buy Now Pay Later Process Work?

The whole process is pretty quick. Here’s how it works:If you’re shopping online at, just select Affirm at checkout. If you’re shopping in-store, visit to apply and then you can use the single-use barcode at the register. To make payments, you can use the Affirm mobile app, or visit You’ll also receive monthly payment reminders, just so you don’t forget to pay your bill! You can apply and read more at Walmart’s dedicated FAQ page.

You can still return financed items, allowing you to take advantage of extended return windows. Your credit score will not be affected if you check to see if you prequalify, but if you go ahead with your purchase, it may. Moreover, when you checkout you’ll have the option to choose between 3 to 24-month payment plans — depending on the total cost — which determines your monthly payment.

Your rate will be 10–30% APR based on credit, and is subject to an eligibility check. Ex: on a $250 purchase, you may pay $23.19/mo for 12 months (20% APR). Subject to eligibility. Payment options through Arm are provided by these lending partners: . Options depend on your purchase amount, and a down payment may be required.

New TV – Samsung 65-inch Class 4K Crystal UHD LED Smart TV

Samsung 65 Crystal 4K UHD Smart TV product image at an angle.
Image used with permission by copyright holder

A new TV is at the top of the list for hot items this Black Friday and holiday shopping season and BNPL-ready choices! Of course, there are a ton of TVs to choose from if you want something larger, with different features, or from a specific brand. We’re sticking with a solid middle-ground in both quality, performance, and size — Samsung’s 65-inch Class 4K Crystal UHD LED Smart TV with HDR. Normally $650, it’s discounted right now thanks to the big sales, just $568 total or $53 per month with Affirm. It offers a stunning 4K-resolution picture and streaming through all of your favorite apps and services right out of the box.

New Gaming Desktop – ASUS ROG Strix GL10DH Windows 10 Desktop and Gaming PC

ASUS ROG Strix Gaming Desktop with RGB AMD Ryzen PC
Image used with permission by copyright holder

It’s no secret we’re seeing a lot of shortages, inventory problems, and shipping delays in the desktop computer and PC gaming world. This beast of a rig — also affordably priced — is an excellent candidate for Walmart’s BNPL program. Besides the sexy external appearance, with RGB to match, inside you’ll find a bunch of impressive hardware. It features an AMD Ryzen 5 3400G octa-core (8) processor with clock speeds up to 4.2GHz. It also includes 8GB of DDR4 2666MHz RAM, an Nvidia GeForce GTX 1650 GPU with 4GB of GDDR6 dedicated VRAM, and a 512GB PCIe NVMe M.2 solid-state drive. Plus, you’ll get 7.1 virtual surround with DTS support, and a free upgrade to Windows 11. This bad boy is $800 at Walmart or $75 per month with Affirm.

New Family Computer – HP 22 Series AIO R3 Touch All-in-One Desktop

HP 22 AIO R3 Touch 8GB 1TB Desktop All-In-One PC for families.
Image used with permission by copyright holder

Not into gaming but want a new computer? Try this HP All-in-One that includes everything packed neatly inside the monitor. There’s no tower or bulky hub to place. It’s sleek, it’s comprehensive, and it’s ready to meet all of your browsing and productivity needs. It comes with Windows 10 Home but you also get a free upgrade to Windows 11. Inside, there’s plenty of power to get everything you need done. If you want to know the specs: It has an AMD Ryzen 3 3250U processor, 10-point touch-enabled 21.5-inch FHD display, 8GB of DDR4 SDRAM, a 1TB 7200RPM SATA hard drive, AMD Radeon graphics, and a bunch more — like a webcam, mouse and keyboard, and beyond. Normally, it would set you back about $500 total, but it’s just $46 per month through Affirm.

New Tablet – Samsung Galaxy Tab S7 Wi-Fi with S-Pen

Samsung Galaxy Tab S7 with S Pen in slate gray.
Image used with permission by copyright holder

Tablets are great to have, in addition to a smartphone, thanks to the larger screen and overall form factor. You can do a lot more on a tablet, from writing and sketching to watching HD-quality videos — including movies and shows. There are always cheap tablets available, but most of the time, it’s a waste of money to spend on them. They’re often bogged down by poor performance, inadequate displays, bad software, and beyond. But if you want a really good tablet, often you pay a high price. Samsung’s Galaxy Tab S7, the latest from the brand, is a great option that’s both affordable and pleasant to use. Normally about $650 in total, it’s on sale right now at Walmart, and available at just $47 per month through Affirm.

New Entertainment – Swingset, Game Table, Trampoline

New Swingset at Walmart through Buy Now Pay Later.
Image used with permission by copyright holder

There’s an entire toy section dedicated to large items, from swingsets and playgrounds to trampolines and electric vehicles! It would be a disservice to focus on just one. Generally, they tend to be quite expensive especially for a one-time purchase if you’re paying in full. The Walmart BNPL program definitely makes these buys much more feasible, dropping payments down to less than $100 per month through Affirm.

New Vacuum – Dyson V11 Torque Drive Cord-Free Vacuum

Dyson V11 Torque Drive Cordless Vacuum in use.
Image used with permission by copyright holder

Good vacuums are expensive. Take the Dyson V11 Torque Drive Cordless Vacuum, which is an excellent cleaner, by the way. Paying in full you’d have to part with $700. That can put a real wrench in a tight budget, especially when you have other gifts to buy for family and friends. Through Affirm and Walmart’s BNPL program that drops to just $65 per month. That’s much more manageable. Of course, that makes all potential vacuums more reasonably priced, including robot vacuums which will clean your home for you and return to their docks.

New Game Console – Nintendo Switch OLED Model

The New Nintendo Switch OLED model with white Joy Con controllers.
Image used with permission by copyright holder

The new Nintendo Switch console includes a vibrant and beautiful OLED screen that puts the original model to shame. But it’s also a bit more expensive at $349 for just the console — you’ll need to buy games too! Thanks to Walmart’s Buy Now Pay Later program that drops to just $45 per month through Affirm. It will be a bit higher if you add a few games, but you’ll get all of them at the same time, and if you’re gifting the console the recipient will be able to play right away! If you’re looking for the PS5 or Xbox Series S|X instead you’ll see similar pricing through Affirm.

New Furniture – Couches, Bed Frames, Storage, and More

Mainstays dining table from Walmart through Buy Now Pay Later program.
Image used with permission by copyright holder

Looking to upgrade your home’s look before your family arrives for the holidays? Want to help someone improve their home with a big gift? There are a ton of eligible items to choose from in this category, and again, instead of paying for the full-purchase upfront you can finance through Affirm to spread those payments out so they’re more manageable.

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Briley Kenney
Senior SEO Copywriter
Briley has been writing about consumer electronics and technology for over a decade. When he's not writing about deals for…
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