The flexible
way to pay

OnePay Later is a buy now, pay later payment option that lets you pay for qualifying purchases over time with smaller, fixed monthly payments. You can use OnePay Later at Walmart checkout or convert a qualifying past OnePay Cash purchase into a payment plan directly in the OnePay 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.

If you bank through OnePay cash and your debit purchase is eligible, you can convert it into a Pay Later plan in the OnePay app after the transaction has settled. To get started:

1. Open the OnePay app

2. Go to your transaction history

3. Select a transaction labeled “Swipe for $X back”

4. Review the payment plan and follow the on-screen prompts

If approved, the transaction is converted into a Pay Later plan, and a credit is applied to your OnePay Cash account for the purchase amount.

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

Annual percentage rates (APR) range from 9.99% to 35.99%. If approved, you may be offered up to three payment plans, typically ranging from 3 to 36 months¹. 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 $50 and $6,000. Not all items are eligible for financing.

Eligibility depends on how you use OnePay Later:

• Pay Later at Walmart: 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. 

Split a past purchase: Eligible OnePay Cash (debit) purchases at a wide range of merchants may be converted into a Pay Later plan after the transaction has settled. Eligibility is determined by Klarna and may vary by transaction.

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 from up to three financing 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. 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.