OnePay Later | Buy now, pay later at Walmart
OnePay is a fintech, not a bank. Banking services are provided by our bank partners.
The flexible way to pay
Whether you’re shopping at Walmart, or looking for options after you shop, pay over time with plans designed to fit your life.
Time for new tires? Gearing up for gaming? Looking for a new laptop? OnePay Later helps you break bigger buys into smaller payments with fixed interest rates, no annual fees, and clearer terms upfront—because sometimes more time is everything.
Why choose Pay Later?
View the terms upfront
Get a clear start and end date, fixed interest rates, and no penalty for paying it off early.1
Apply with no impact on your credit
Check out plans and find the one that works for you with no impact on your credit score. Plus, track your score in the app for free. Score!
You’ve got options with the app
Discover Pay Later options that fit your needs. From Walmart checkout to after you shop, get more flexibility in the app.
Built into Walmart checkout
Pay Later is integrated into Walmart checkout — in stores, online, or in the app — so however you shop, we’re here!
- Shop and apply for a plan
Fill your cart with eligible items and choose Pay Later at checkout to apply.
- Get the terms
Get a speedy decision with up to 3 payment options ranging from 3-36 months.1
- Check out and enjoy!
Select your payment plan, check out, and you’re all set!
Plan ahead and shop with confidence
You can always check your purchase power in a few simple steps in the app. Know how much you can spend and feel good at Walmart checkout.2
Pay Later even after you shop
When you bank through OnePay, you can get a full week to turn eligible past purchases into smaller payments right in the app.
- Pick a purchase
Tap or swipe an eligible OnePay debit or Builder Card purchase in the app.
- Review your plan
Apply for a monthly payment plan with no impact on your credit score.
- Put money back in your pocket3
Get cash back in your account instantly and turn big buys into smaller payments.
Everything is easier in the app
Make payments, track your status, and get reminders — all in one place.
Download today
OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC.
Frequently asked questions
What is OnePay Later?
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.
Where can I use OnePay Later?
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.
How do I split a past purchase into payments?
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:
- Open the OnePay app
- Go to your transaction history
- Select a transaction labeled “Swipe for $X back”
- 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.
Who is eligible for OnePay Later?
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
What interest rates and payment terms are available?
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 months. Your APR and total interest will be shown before you accept the offer.
Are there any fees for using OnePay Later?
There are no fees when you pay on time. If a payment is late, a late fee of up to $7 may apply.
How much can I spend with OnePay Later?
If approved, OnePay Later can be used for eligible purchases between $25 and $6,000. Not all items are eligible for financing.
What items are eligible to pay over time?
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.
How do I make payments and manage my loan?
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.
Are there any impacts to my credit score?
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.
What happens if I miss a payment or return an item?
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.
How can I pay over time in-store at Walmart with OnePay Later?
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.
- 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.
How does OnePay Later work with Klarna?
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.