Enter the world of buy now, pay later (BNPL) – a super-convenient payment method that’s taking the shopping experience to a whole new level. In this comprehensive guide, we’re going to explore Walmart’s BNPL options and how they work, so you can shop with ease and confidence. Buckle up, and let’s dive into the world of flexible payment options!

Image by Freepik

1. Walmart’s Affirm Partnership

Meet Affirm, the cool kid on the block when it comes to BNPL services. They’ve teamed up with Walmart to offer you flexible and transparent financing options for your purchases, including interest payments. Sounds exciting, right?

So, how does it work? When you shop at Walmart, either in-store or online, Affirm lets you spread out your payments over a period of 3 to 9 months, making it much easier on your wallet. And the best part? Walmart accepts Affirm’s interest-free financing on your purchase, provided you qualify and make your monthly payments on time. Say goodbye to those pesky hidden fees and high-interest rates!

But wait, there’s more! Affirm is known for its user-friendly experience and exceptional customer reviews. They make the whole process a breeze by clearly stating the terms of your payment plan upfront. You’ll never be caught off guard by late fees or other unexpected charges.

However, no service is perfect. Some users might find that their credit score takes a hit if they fail to make timely payments. Moreover, not all products at Walmart may be eligible for Affirm financing, so make sure to double-check before you splurge.

Overall, Walmart’s partnership with Affirm is a game-changer, offering a fresh and exciting way to shop without breaking the bank. So go on, give it a try, and see for yourself why so many shoppers are raving about it!

2. Walmart Credit Card

Say hello to the new version of the Walmart Credit Card, another fantastic option for those who love to shop at Walmart and want some extra perks. This handy little card is your ticket to exclusive financing offers and other awesome benefits.

How does it work, you ask? Well, when you use the Walmart Credit Card for your purchases, you can access special financing offers that let you buy now and pay later. These offers are subject to credit approval and may vary, so it’s essential to stay in the loop on the latest deals.

Now, let’s talk about the pros and cons. The advantages of using a Walmart Credit Card include the ability to make your purchases immediately without worrying about upfront costs. Plus, you can enjoy perks like cashback rewards and potential interest-free financing on eligible purchases.

However, there’s always a flip side. Some users may find that the interest rate on the card is higher than most credit cards if you don’t pay off the balance in time. And, while the card may not have annual fees, late fees or other hidden charges can still apply if you’re not careful with your payments.

What about user experience and reviews? Many cardholders appreciate the convenience and special offers that come with the Walmart Credit Card. But it’s important to remember that everyone’s experience is unique, so make sure to do your homework and read up on other users’ experiences to get a better idea of what to expect.

In a nutshell, the Walmart Credit Card is another fantastic way to take advantage of flexible payment options while shopping at your favorite retail destination. Just make sure to manage your payments wisely, and you’ll be on your way to a more rewarding shopping experience!

Image by Freepik

3. Layaway Plans at Walmart

Alright, folks, let’s take a trip down memory lane and revisit the classic layaway plans at Walmart. These nifty payment plans have been around for ages, but they’re still a fantastic way to snag your favorite items without emptying your pockets in one go.

So how do Walmart’s layaway plans work? During specific periods (usually around the holidays), you can head to a Walmart store, pick out eligible items, and set up a payment plan. You’ll typically make a small down payment, and then pay off the total amount in installments over a set period. Once you’ve made your final payment, the item is all yours!

Now let’s weigh the pros and cons. On the plus side, layaway plans make it easy to budget for big-ticket items without the pressure of immediate payments. Plus, they don’t require credit checks or involve interest, which can be a huge relief for some shoppers.

But, of course, there are some downsides. Layaway plans are only available in-store and during specific periods, so they may not be as flexible as other BNPL options. Additionally, if you change your mind or fail to complete your payments, you may be subject to cancellation fees.

As for user experience and reviews, many shoppers appreciate the simplicity of Walmart’s layaway plans and the opportunity to avoid using most credit cards with checks and interest. However, others might find the limited availability and in-store-only nature of the plans a bit inconvenient.

To sum it up, Walmart’s layaway plans are an excellent throwback to simpler times, offering a no-nonsense approach to spreading out payments for your favorite purchases. So if you’re up for a trip to the store and some old-school budgeting, this might be the perfect option for you!

Image by Freepik

4. Walmart+ Membership Benefits

Introducing Walmart+, the membership program that brings a whole new world of perks and privileges to your fingertips, including some potential payment flexibility for your Walmart purchases.

How does Walmart+ work, exactly? By signing up for a membership, you unlock additional benefits like free shipping, discounts on fuel, and access to exclusive deals. But that’s not all! Walmart+ members may also enjoy payment flexibility on certain categories of purchases, making shopping even more convenient and budget-friendly.

Time for the pros and cons! With Walmart+, you get more than just flexible payment options. The membership comes with a whole suite of benefits that can save you time and money. Plus, with the potential for exclusive financing offers, you could find yourself scoring some sweet deals.

However, it’s not all sunshine and rainbows. The Walmart+ membership comes with an annual fee, which may not be worth it for everyone. Additionally, flexible payment options may be limited to specific items and deals, so it’s crucial to stay informed about the latest offers.

When it comes to user experience and reviews, many Walmart+ members rave about the convenience and value they get from their membership. However, some shoppers may find the annual fee to be a drawback, especially if they don’t take full advantage of the perks.

In conclusion, Walmart+ is a fantastic way to enhance your shopping experience and potentially unlock more flexible payment options. Just make sure to weigh the cost of membership against the benefits to determine if it’s the right choice for you. Happy shopping!

5. Tips for Using Walmart’s Buy Now, Pay Later Options

Navigating the world of flexible payment options at Walmart can be both exciting and overwhelming. But fear not, we’ve got you covered! Here are some handy tips to help you make the most of Walmart’s buy now, pay later services.

Image by Freepik

1. Understand your options

With so many BNPL plans, programs and services available, it’s essential to know what’s on offer. Take the time to research Affirm, Walmart Credit Card, layaway plans, and Walmart+ membership benefits to choose the best option for your needs.

2. Check eligibility

Not all items or categories may qualify for certain BNPL options. Always double-check the eligibility of your desired purchase before committing to a specific payment plan.

3. Keep track of monthly payments

To avoid late fees or potential damage to your credit score, ensure you’re making your monthly payments on time. Set reminders or use budgeting tools to help you stay on track.

4. Stay informed about new offers

Walmart is continually updating its services and rolling out new versions of payment plans. Stay in the loop by subscribing to newsletters or following Walmart on social media to snag the best deals.

5. Shop wisely at the store and online

Whether you’re browsing through the aisles or adding items to your online shopping cart, always remember to choose your payment method at checkout carefully. Select the BNPL option that works best for you and your budget.

6. Be mindful of the total cost

While BNPL options can make shopping more manageable, it’s crucial to understand the total amount you’ll be paying over time, including interest (if applicable). This will help you make well-informed decisions and avoid unpleasant surprises down the road.

Armed with these tips, you’re all set to make the most of Walmart’s buy now, pay later options. Shop with confidence and enjoy the flexibility that these payment plans bring to your retail experience. Happy shopping!

Things to Consider When Choosing a Walmart Buy Now, Pay Later Option:

Ready to dive into Walmart’s buy now, pay later universe? Hold your horses! Before you embark on this flexible payment journey, let’s explore the key factors to consider when choosing the perfect option for your shopping needs. Keep reading for some expert advice on making savvy decisions.

Image by Freepik

Interest rates and fees

Don’t let hidden fees or high-interest rates catch you off guard. Before choosing a BNPL option, make sure you understand the total cost of your purchase, including any other interest rate, charges, annual fees, or late fees. This will help you make an informed decision and avoid any unpleasant surprises.

Repayment terms

Consider the monthly payments and the duration of the payment plan. Look for options that offer a comfortable repayment schedule, allowing you to spread out your payments without straining your budget. Remember that, unlike others, each BNPL service may have different terms, so choose one that aligns with your financial goals.

Eligibility criteria

Not all BNPL options may be available for every item, purchase category, or customer. It’s essential to review the eligibility requirements for each payment plan, like credit checks or specific purchase amounts. This will help you find a suitable option that caters to your needs and preferences.

Customer service

A great shopping experience doesn’t end at checkout! Opt for BNPL services with stellar customer support, like Affirm or Walmart+, to ensure you have a smooth and hassle-free journey. Reading user reviews or asking friends for recommendations can help you gauge the quality of a service’s customer care.

Can I Use Klarna at Walmart?

Unfortunately, at the moment, Walmart does not accept Klarna as a payment option. However, Walmart offers a variety of other buy now, pay later options like Affirm, the Walmart Credit Card, and layaway plans, which provide flexibility and convenience for your shopping needs.

Can you use Afterpay at Walmart?

Unfortunately Walmart does not accept Afterpay as a payment option. But here’s our list of Online Stores that accept Afterpay.

Can I use Zip at Walmart?

Walmart does not accept Zip as a payment option. 

By keeping these factors in mind, you’ll be well-equipped to choose the best Walmart buy now, pay later option for your shopping spree.

Conclusion:

In conclusion, the retail giant Walmart offers a plethora of flexible BNPL options, making shopping a breeze for everyone. From the transparent and adaptable Affirm partnership to the exclusive perks of the Walmart Credit Card and Walmart+ membership, there’s a payment plan to suit every shopper’s needs. And let’s not forget the good old layaway plans for those who enjoy a touch of nostalgia!

The secret to finding the perfect BNPL option lies in understanding your financial needs and preferences. Take the time to research each option and weigh the pros and cons before making a decision. Remember, there’s no one-size-fits-all solution, so choose what works best for you.

So go ahead, embrace the world of Walmart’s flexible payment options, and make your shopping experience more convenient than ever before. Happy shopping, and may the best BNPL option win!

Looking for catalogs from stores that offer Buy Now Pay Later options? Check out our Top 10 Buy Now Pay Later Catalogs.

Kim Rowley

Kim is a long time blogger and shopping expert! She loves finding the bests deals and was an early adopter of Buy Now Pay Later. She is dedicated to teaching others how to safely use BNPL apps and services to purchase everything from clothing to shoes and home furnishings.

shoppingkim.com

Walmart Layaway

Why Walmart Layaway is Now Affirm

Continue Reading

The post Walmart Buy Now, Pay Later: A Comprehensive Guide to Flexible Payment Options appeared first on Shopping Kim.

What Is Affirm?

Maxim Levchin is the founder and CEO of Affirm. He also co-founded PayPal Holdings. Affirm is a fast and reliable alternative to traditional financing methods such as credit cards and other forms of credit. On many e-commerce sites, you will see Affirm’s payment gateway when you check out.

If you need a loan to purchase a large item, such as mattresses or furniture, Affirm provides easy payment plans, and consumers can budget more easily by dividing the cost into smaller payments. Based in San Francisco, Affirm gives you more financing options.

How Does it Work 

The Affirm “Buy Now, Pay Later” (BNPL) app gives you the flexibility to purchase whatever you desire now. Your Affirm app can finance anything from a bike to a kitchen remodel.

Affirm’s app offers 0% interest rates if you make your payment on time and gives you a no-interest loan for up to 36 months.

Is Affirm Legit?

Affirm is 100% legal and suitable for consumers of all credit ratings. When compared to credit cards, Affirm’s short loan terms make repayment easier. In addition, you aren’t tied to expensive compound interest fees because you only pay a flat rate.

Is it Safe? 

Yes, using Affirm is safe. Your data is encrypted during storage by the company. Multi-factor authentication is required to access your data, and only authorized individuals can access it. Your information is protected in multiple ways.

What Do the Reviews Say? 

Affirm’s service is generally well-received by customers, as evidenced by the positive reviews the company receives. The major complaints from Affirm’s customers have to do with customer service, credit cards, and phone numbers. Nonetheless, Affirm ranks as one of the top 164 websites in the Personal Finance category.

What to Buy 

The company is dedicated to providing genuine lending services to consumers, enabling them to take charge of their financial lives. Because of this initiative, consumers can shop online more efficiently and sustainably. 

Affirm provides consumers with credit card-like options for purchases online, enabling them to buy now and make simple monthly payments.

What is the Return Policy

In case of a cancellation or return of an order, you will receive your refund via Affirm. If the merchant takes longer than 21 days to process, this process may take longer. 

Therefore, it would be wise to check the merchant’s website for their specific return policy to avoid waiting for the refund to be processed.

Conclusion

If you are short on cash, you can finance your online purchase with Affirm. By selecting this option, you can purchase now and pay later in form of installments. Furthermore, Affirm financing is legitimate, so you can rest assured that your data is secure.

Affirm Stores That Accept Affirm Financing

Continue Reading

Everything You Need To Know About Affirm

Continue Reading

Abunda vs Affirm: Which is the Better BNPL to Buy from Amazon?

Continue Reading

Why Walmart Layaway is Now Affirm

Continue Reading

Buy Now Pay Later Sites Like Affirm

Continue Reading

The post Is Affirm legit? Learn Everything About Affirm appeared first on Shopping Kim.

Never scoop again with the highest-rated WiFi-enabled, automatic, self-cleaning litter box for cats. Since 2000, over 750,000 happy pet parents have upgraded to the Litter-Robot!

Scooping litter ranges from a mild inconvenience that must be attended to daily to downright dangerous for women expecting a baby. The good news is, thanks to the Litter Robot, you never have to worry about scooping litter again. The Litter Robot changed the game so you and your cat can enjoy living in a clean, smelling, mess-free home!

What is Litter Robot?

The Litter Robot is a revolutionary, fully automatic litter box that’s revolutionizing how litter boxes function. Utilizing state-of-the-art automated sifting technology, the Litter Robot drastically reduces offensive odors and provides your cat with a clean litter box experience with every use.

Thanks to the Litter Robot’s built-in WiFi, you can monitor your cat’s health by tracking their usage, accessing mobile controls, and setting alerts.

The Litter Robot is perfect for single or multi-cat homes, ensuring every cat has a clean, safe space to do their business! Why is the Litter Robot the choice of pet parents everywhere?

Benefits of Litter Robot over Normal Litter Boxes

Unmatched Odor Control

The Litter Robot sifts all waste within minutes of use into a fully enclosed, carbon-filtered waste drawer. By harnessing odors before they enter your home, you never have to worry about embarrassing smells ever again!

Less Litter

Thanks to the Litter Robots’ patented sifting technology, it uses 50% less litter than traditional boxes.

Safe And Secure

You never have to worry about the Litter Robot hurting your fluffy friend; the rotating globe stops automatically if a cat enters during the cycle.

No Special Litter Or Accessories Required

The Litter Robot works with your favorite clumping litter and uses regular-sized trash bags.

1-Year Warranty

Every Litter Robot comes with a FREE one-year, hassle-free warranty, covering it from top to bottom. Now you can have peace of mind knowing you’re covered no matter what!

That’s not all; the Litter Robot has even more features, making it the perfect addition to your home. Features include:

Full Drawer Indicator: Receive a notification when the litter drawer needs to be emptied.

Automatic Night Lights – Perfect for guiding elderly cats for nighttime visits.

Sleep Mode – Option to pause the automatic cycling for eight-hour increments.

Adjustable Timer Cycle: Options for 3, 7, or 15-minute delays prior to the cycle’s start time.

Control Panel Lockout – The ability to lock out all the bottom functions on the machine’s control panel.

Litter Robot Specs

• Power: 15 Volt DC
• Entryway: 10.25″ x 15.25″
• Empty Weight: 24lbs.
• Footprint: 24.24″ x 27″

What Do The Reviews Say?

The reviews are in, and it’s clear to see that the Litter Robot is transforming the way pet parents view the litter box.

“We…have three cats but only have one litter robot and we can’t believe it took us so long to purchase. I’ll tell anyone thinking of making the commitment to do it. Customer service is also great.” – Bev

“The Litter Robot keeps the box constantly clean. Less odor and easier to change. Highly recommend if you have a cat who demands a clean box!!” – Jenny

“After receiving the order (quickly, might I add) I plugged it in and within 3 days I could feel a difference in the air quality, the smell, and just my serotonin levels rising while watching it initiate a cleaning. I am a HUGE fan” – Luca+C

“This litter box is legitimately life-changing… I’m a busy mom, working full time and then some and this has offloaded one of my least favorite chores. I highly recommend this to anyone with this in their budget, in the long run this will save us a lot of money on litter and in my valuable time.” – Liz

“The Kitty Death Star is amazing… best purchase I ever made. My cat has stopped having accidents around the house, there is no smell and its so easy to clean. Love it!” – OlyBeltran

“I cant even put in words how much this has saved my life. Two male cats who were not happy about sharing a litter together have finally stopped marking the house. This litter cleans every 7minutes which is enough time to wipe out the other’s business so it is fresh & clean again.” – Amber

Buying A Litter Robot

Now you can stop scooping and start enjoying everything the Litter Robot offers. Purchasing your very own Litter Robot is easy!

In-Home Trial

The Litter Robot offers a hassle-free 90-day in-home guarantee. The company knows your cat will love it, but if they don’t return it, no questions asked!

Warranty

Now you can have peace of mind purchasing the Litter Robot, thanks to the FREE 1-year warranty included with every order. The comprehensive protection plan covers every aspect of your Robot from top to bottom, completely free of charge. After your one year warranty is complete, Litter Robot offers an extended three year option for $100.

Price

The Litter Robot offers three models to choose from, starting at $499: Litter Robot 3, Litter Robot 3 Connect, and the Litter Robot 4.

Litter Robot 3 – $499

Litter Robot 3 Connect – $549

Litter Robot 4 – $649

There are also refurbished options available for an additional discount.

Add-Ons

The Litter Robot offers add-ons to make your cat’s litter box experience even better. Optional products include:

• LR Ramp
• LR Fence
• Black Litter Map
• Premium Cat Litter
• Waste Drawer Liners
• Litter Robot Cleaner Wipes

How to Buy Now Pay Later Litter Robot

Affirm Buy Now Pay Later Financing

Buy Now Pay Later with Affirm on the Litter Robot Site. The Litter Robot is pricey at a $499 starting point and going up from there. Luckily Litter Robot offer financing options with Affirm. Pre-Qualify For Monthly payments with Affirm and pay for your Litter Robot over time.

Affirm offers simple financing, making it even easier to order your Litter-Robot today. There are no gimmicks like deferred interest or hidden fees, so the total you see with Affirm is always what you’ll actually pay.

• Real time decision through a Soft Credit Check – a pull that won’t impact your credit score
• Multiple Plans to choose from: Pay over 3-12 months with rates as low as 0% APR, subject to eligibility.

Buy Your Litter Robot with Affirm Today!

Need more info on Affirm? Read our guide to how Affirm works here.

Does Litter Robot take other Buy Now Pay Later Apps?

No, at this time Litter Robot does not take Afterpay, Sezzle, Klarna or other BNPL services. They are exclusive to Affirm.

Do I still get the 90-day in-home trial when I finance a Litter Robot?

Yes! Whether you choose to finance or not, you can buy with confidence knowing you have 90 days to try the Litter-Robot in your home. If you do choose to return, you’ll be refunded for the payments you’ve made through Affirm. minus any interest that has accrued.

Buy Now Pay Later Litter Robot with Abunda

Buy any Litter Robot available on Amazon with Abunda to get Buy Now Pay Later financing options. Prices start as low as $65/month. Buy Now Pay Later vendor options are shown at checkout.

Shop Litter Robot on Abunda

More Ways to Pay

Litter Robot also takes other popular payment methods on their site including Paypal, Amazon Pay, and major credit cards.

Stores to Buy Now Pay Later Pet Supplies

Continue Reading

The post Financing Your Litter Robot with Buy Now Pay Later appeared first on Shopping Kim.

Now instead of waiting for your items for months while you pay for them, you can buy now pay later with Walmart Affirm, the latest Buy Now Pay Later plan to hit the market.

How does Affirm Work With Walmart?

You might have heard of Affirm by now. They are one of the largest Buy Now Pay Later platforms out there today. When you buy now pay later, you pay some money upfront at checkout and pay the remaining amount throughout the loan’s term, which is usually 3 installment payments over the next 3 to 24 months.

The amount of your purchase determines the term. For example, purchases of $144 – $799.99 can choose terms of 3, 6, or 12 months. If your purchase is $800 – $2,000, you can finance for 12, 18, or 24 months.

Remember, the longer you stretch the payments out, the more interest you’ll pay. To determine which payment options you have, apply on Walmart Installment Financing Page here. 

Affirm doesn’t charge any fees and they are upfront about the total of your payments. You won’t have any unpleasant surprises or not know when your payments are due – it’s all disclosed to you upfront.

How to Pay with Affirm at Walmart In-Store

You can use Affirm at Walmart both online and in-store. If you’re shopping online, it’s easy. You click ‘pay with Affirm’ at checkout and follow the instructions.

If you’d rather shop in-store, you must visit Affirm.com/Walmart to apply. You’ll enter some personal information and the total of your purchase and then scan the barcode provided to pay for your purchase.

What can I Finance with Affirm at Walmart?

You can use Affirm at Walmart on a large number of products including home goods, electronics, toys, apparel, jewelry, sporting goods, tools, musical instruments, and home improvement products.

You cannot use Affirm at Walmart for groceries, alcohol, pet supplies, baby food or formula, tobacco, personal care items, weapons, gas, pharmacy, or wireless services.

What is the APR?

Affirm at Walmart doesn’t guarantee that you will have a 0% APR. Some customers qualify for 0% APR but have a much shorter term to pay off their purchase. Most customers, though, pay an interest rate between 0% – 30% depending on what you buy.

Always read the fine print and look at the total cost of the loan after you’ve made all payments to make sure it’s still a smart financial decision.

Can you Return Products Bought with Affirm at Walmart?

You can return items you bought with Affirm at Walmart. You’ll need to return the products in-store or via mail but first initiate the return online. If you’ve already made loan payments, you’ll receive a refund, but only if you take the necessary steps, starting with initiating the process online.

Curious about other stores that have embraced Affirm financing? Dive into our companion article, “Affirm Stores That Accept Affirm Financing,” for a comprehensive list of retailers where you can utilize Affirm to make your purchases more flexible and manageable.

Final Thoughts

Affirm at Walmart can be a great way to get the items you need. While you’ll likely pay interest, if you keep the term short, you can limit how much it costs. Just don’t use Affirm for impulse buys or to buy something you know you can’t afford and it can be a great deal.

Stacey R

Stacey R. has a passion for writing high-quality content that stands out from the rest.

bnpl.shop/staceyr

Affirm

Everything You Need To Know About Affirm

Continue Reading

Online Stores That Accept Affirm To Buy Now, Pay Later

Continue Reading

Buy Electronics Now, Pay Later with These Stores Offering Deferred Billing

Continue Reading

The post Why Walmart Layaway is Now Affirm appeared first on Shopping Kim.

Travel agencies like Expedia, Cheapoair.com, Priceline, ASAP Tickets, Alternative Airlines, and OneTravel have partnered with Affirm to help you find top-flight destinations at a great price while paying at an easily affordable monthly rate. Just select Affirm at checkout, and you’ll be one step closer to paying monthly installments for various airfare deals.

Two Reasons to Use Affirm’s Fly Now, Pay Later

1. You can worry less about your finances. If you’ve ever felt guilty about spending thousands of dollars for one vacation, now you don’t have to. With Affirm’s fly now, pay later monthly installments, you’ll be charged a manageable amount every month. You won’t have any hidden fees either, so your bank account will always be in good standing. You’ll be able to travel to that dream destination without completely emptying your wallet. 

1. It will save you so much time. How many times have we all spent searching endlessly for cheap flights? Now, with Affirm, you can split your costs into smaller installments that make it more affordable and less time-consuming.

From domestic travel to destinations worldwide, here are the best deals on “Fly Now, Pay Later” Affirm flights.

The Best Fly Now, Pay Later Affirm Flights Right Now

Domestic Flights

Las Vegas, Nevada: Delta Vacations can help you save up to $350 per bookings or up to 35,000 bonus miles on flight and hotel packages. Listed as one of Delta’s Top 10 Deals, Las Vegas provides bustling entertainment filled with casinos, theme parks, and luxury resorts. Head to Sin City to eat tasty food, hang out at fun attractions, and travel through Red Rock Canyon National Conservation Area. 

Don’t forget to check out Caesars Palace Las Vegas Hotel & Casino. A luxurious resort with a range of amenities and entertainment options for guests, including world-class restaurants, luxurious accommodations, a large casino, and live shows.

Myrtle Beach, South Carolina: Get your much-needed Vitamin D with Cheaponair.com’s round trip offers to Myrtle Beach, South Carolina. As a hotspot for family entertainment, Myrtle Beach has various tourist attractions, including Family Kingdom Amusement Park and Myrtle Waves Water Park. Save up to $50 when using the code AFFIRM50 or $100 business class deals with code BUSINESS100

Honolulu, Hawaii: Priceline offers the best deals for flight and hotel packages, including the U.S. island dream escape of Honolulu. With tropical glamour and volcanic attractions, Hawaii’s state capital is the closest thing to paradise.

New Orleans, Louisiana: Listen to the intoxicating sounds of Jazz at the music genre’s birthplace in New Orleans, Louisiana. One Travel offers large deals for flights in areas like New Orleans, where you can earn up to $50 off on fees. You can spend a night on a Steamboat Natchez Jazz cruise, take a frightening ghost walking tour, or even eat some delicious beignets.

Tip! If you sign for the OneTravel Visa credit card, you can earn rewards for every airline purchase without an annual fee! 

International Flights

Punta Cana, Dominican Republic: With Expedia in partnership with Affirm, you can have the sunny getaway you need at a great deal. Punta Cana is a popular tourist attraction for its pristine beaches and dense palm trees. Expedia will put $30 into your Affirm savings account if you book your flight with them.

Paris, France: Spend time in the “City of Love,” with 50% off on hotels with Expedia. You can set your sights on the Eiffel Tower while trying a specialty croissant at a nearby cafe. If you’re in the mood for art history, check out Louvre Museum to find the Mona Lisa and Venus De Milo.

Still Don’t Know Where to Go?

Suppose you’re craving to go anywhere, regardless if it’s international or domestic. Head to Priceline where you can choose from great offers on flights, hotels and vacation packages to find the deal that works for you.

The post Channel Your Wanderlust With 6 Top Flights appeared first on Shopping Kim.

Love to shop (and who doesn’t?) but looking for a better way to manage your finances? It’s time to consider buying all your upcoming purchases with Affirm, a shopping app that makes the financial experience of buy now, pay later flawless.

Read on to learn more about Affirm and how it will change the way you shop.

What is Affirm?

Affirm offers a buy now, pay later program for over 1,300 retailers, including some of your favorite brands like Purple Mattress,  Adidas, Warby Parker, Target, Peloton,  Dyson and as of March 2021 Vrbo. Unlike credit cards that may charge you late and hidden fees, all costs are known upfront with Affirm. You’ll know exactly how much you owe and how much you’ll pay each month.

Affirm also uses simple interest instead of compound interest on your purchases, so you’ll know exactly what your monthly payments will be. You won’t be charged penalties or late fees. (Simple interest is based solely on the principal amount of the loan, while compound interest is based on the principal amount plus interest that accumulates over time.)

Other reasons to consider Affirm vs. other buy now, pay later programs is that the app works with top brands you know and love (and probably buy from frequently anyway.) You also can score special deals and the app curates to notify you when brands you love are available.

Don’t worry about missing a payment, either. Affirm sends you email and text reminders to make your monthly payments so you don’t have to worry about remembering to pay.

Does using Affirm affect my credit score?

The preapproval process to sign up for and start using Affirm is simple and won’t affect your credit score. Once you make purchases using Affirm, however, your credit score may be impacted.

Also, it’s important to note that there is no minimum credit score to start using Affirm. Your credit score will be impacted by your payment history on Affirm and how much credit you’ve used before.

Does Affirm have a credit or debit card? 

The Affirm debit card is coming soon, get on the waitlist here.  Once you are approved for Affirm credit you have the option of choosing a single use virtual visa credit card, that can be used to make a purchase at your favorite retailer. 

Shopping Kim’s top 12 retailers that use Affirm

Ready to start shopping? Shopping Kim’s top 10 recommended retailers that use Affirm are below:

1. Purple – Mattresses

Get the most comfortable night’s sleep of your life on a Purple Mattress. Using a gel flexgrid design instead of memory foam, you’ll sleep cool and comfortable always.

2. Dyson – Electronics

Top of the line vacuum cleaners, air purifiers, hair dryers, and more. You’ll never want to go back to your old electronics.

3. Reverb

If you’ve been thinking about taking up the keyboard or drums, now is the time to rock. Reverb has great deals on musical equipment to get you set up with whatever you need.

4. Target

Find amazing deals on all your favorite Target goods you love in-store like electronics, clothing, and furniture, but pay for them later.

5. Dicks Sporting Goods

&nbspTired of commuting to the gym? Invest in your own gym equipment like a new treadmill, cycle bike, or basketball hoop.

6. Rebag

Dreaming about owning your own Chanel or Dior handbag? Make the dream a reality with Rebag, which sells luxury second-hand and vintage handbags that have all been inspected and verified.

7. Priceline

Find the best travel hotels, flights, and packages. Then get packing and ready to jet set off on your latest adventure.

8. Neiman Marcus

All the luxury fashion and accessories you’ve been lusting after and that will become staples in your wardrobe for years to come.

9. Bonobos

Forget shopping at the mall. Find the men’s clothing your closet has been missing, including suits, jeans, and sweaters on Bonobos.

10. Eloqui

Beautiful plus-size fashion is a no-brainer with Eloqui. Find gorgeous dresses, jackets, and swimsuits designed for everybody.

11. William Sonoma

Cookware, cooking utensils, espresso machines, kitchen decor, table top, gourmet foods, and gifts.

12. Peter Glenn

Outdoor Adventure Sports Store

Becky Brown

Becky is a seasoned personal and business financial expert with deep experience supporting small businesses. Now the Co-Owner and CEO of Shopping Kim a company she acquired in 2020, she is passionate about educating people on how to use  Buy Now Pay Later for responsible spending to achieve their lifestyle dreams.

Pay Over Time at These Stores with Affirm

Pay Over Time at these Affirm Merchants

Continue Reading

Online Stores That Accept Affirm To Buy Now, Pay Later

Continue Reading

The post Everything You Need To Know About Affirm appeared first on Shopping Kim.

Over the past few years, a ton of buy now pay later services have popped up that let you pay for your splurge in installments. In some ways, these services are like the old layaway system, in which you put down a deposit to reserve your item, sign up for a payment plan, then bring it home once you’ve paid it off. Only with buy now pay later you get the item you want upfront—so there’s no waiting involved.

Here are three of the top buy now, pay later services and how they work. 

1. Affirm

How Affirm works.

You can link Affirm to an existing credit or debit card, or a bank account.

What’s the payment plan? 

You can choose to repay your loan over three, six, or 12 months.

Will Affirm affect my credit?

Maybe. Affirm approves users with a soft credit check, which doesn’t affect your score. If you make your payments on-time, it will report them to Experian, which can improve your score unless your credit utilization ratio is too high, in which case it can hurt it.

2. Afterpay

How Afterpay works.

You can link Afterpay to an existing credit or debit card, or a bank account. Now you can even get an Afterpay virtual card, find out how it works here. 

What’s the payment plan? 

You pay for an item over six weeks, starting with an initial payment when you purchase the item. Payments are due every two weeks.

Will Afterpay affect my credit?

No. Afterpay doesn’t check your credit when you sign up or report on your payments, so it won’t affect your credit score positively or negatively.

Can I Buy Gift Cards with Afterpay?

Yes, you can but you have to be an Afterpay customer and rewards member. More details on how Afterpay Gift Cards work can be found in this detailed guide. 

3. Klarna

How Klarna works.

You can link Klarna to an existing credit or debit card, or a bank account. Klarna sets a credit limit based on your banking history, find out how Klarna Purchase Power works here. 

What’s the payment plan? 

There are three. You can make four payments, with one due every two weeks; you can finance a large purchase over six to 36 months; or you can pay in 30 days.

Will Klarna affect my credit?

It depends. Klarna runs a soft credit check for purchases made in four payments or 30 days, which won’t affect your score. However, it runs a hard credit check for larger payments that require financing, which could impact your score.

So is Buy now, Pay Later, right for you?

Here are a few reasons why you might want to use one of these services:

You’re looking for a credit card alternative: Most buy now, pay later users link their accounts to debit cards and use the service in place of a credit card for everyday items. Just like a credit card, they allow you to break up your purchase or pay later for an item, but without the same fees or risk of compound interest attached.

You’re not sure your purchase will work. Klarna’s pay in 30 day plan is great for clothing you don’t know will fit or other items that you’re not sure about. You can place your order, have the item delivered to your house, and see if it works—and if it doesn’t, return it without ever having to pay for it.

You like to budget: Say you give yourself a $100 monthly clothing budget, but want to buy an item that’s $125—or need to replace multiple items one month that total more than $100. With buy now, pay later, you can choose a structured payment plan that lets you make those purchases without going over your budget.

You have a special purchase in mind: As long as you can afford the item, buy now, pay later, is a great option if there’s something you love but is a bit of a splurge. Depending on the item, it might even help you save money; buying a higher-quality item that is slightly more expensive but will last for years instead of a lower-quality item that you’ll need to replace within months can cost less in the long run.

Becky Brown

Becky is a seasoned personal and business financial expert with deep experience supporting small businesses. Now the Co-Owner and CEO of Shopping Kim a company she acquired in 2020, she is passionate about educating people on how to use  Buy Now Pay Later for responsible spending to achieve their lifestyle dreams.

Ready to shop Buy Now Pay Later? Find out what stores accept the top Buy Now Pay Later apps.

Buy Now Pay Later Stores

Online Stores That Accept Klarna To Buy Now, Pay Later

Continue Reading

Online Stores That Accept Affirm To Buy Now, Pay Later

Continue Reading

Popular Online Stores That Accept Afterpay in the U.S.

Continue Reading

Klarna Purchase Power Explained

Continue Reading

The post Four Reasons to Love Buy Now Pay Later appeared first on Shopping Kim.

For these reasons, and likely among many others, you have decided you want to buy one, but the main question standing between you and having a Peloton bike all to yourself at home is, how do I finance this?

The Peloton Price Tag

If you go with the bike basics, you are looking at a price tag of $1,895. This includes the bike, delivery and assembly, and a 12-month warranty. Peloton offers three other options that are consistent as far as including these same three parts with your purchase but go up in price because they provide a few more features that you may decide you need or would be nice to have.

Their bike essentials package includes one pair of shoes, one set of bike weights, and one pair of headphones for $2,045.

Their bike works package includes all of these and a heart rate monitor and bike mat for $2,145.

If your Peloton bike will not, in fact, be kept all to yourself, they sell a bike family package as well for $2,345 that includes an extra pair of shoes, bike weights and headphones, and an additional heart monitor and water bottle.

How to Pay for a Peloton in Installments With Affirm

As you can see, a Peloton is a substantial investment and not something everyone can or will buy upfront. Peloton takes into account the demand for monthly payments, which is why they partner with Affirm to make payments straightforward and manageable. You can invest in your Peloton with no money down, no hidden fees, and zero APR financing. With Affirm you can Ride Now, Pay Later on a new Peloton and reach those New Year’s fitness resolutions!

What Is Affirm? How Do You Qualify and Pay in Installments?

Affirm is a publicly-traded financial technology company that operates as a financial lender of installment loans for consumers to utilize at the point of sale to finance their purchase. Simply put, they enable people to make bigger purchases without compounding interest, penalties, and late fees the way that credit cards do. So, it is a lot like a credit card, without your purchase(s) resulting in unhealthy debt.

When you purchase a Peloton (or anything) through Affirm, you find out your total cost upfront, and you choose a payment plan that works for you.

All you need to do to prequalify and begin checking out through Peloton’s website is to select the option “Pay Over Time.” You will then fill out an application where you will enter a few essential pieces of information and receive a real-time decision. You are subject to a credit check and approval. If and once approved, you can select your monthly financing option, whether 12, 24 or 39 months.

Images from Peloton Bikes

Is a Peloton Worth the Investment?

How much money do you currently spend monthly on fitness? If you want to figure out how Peloton would compare and how much you can save over time, you can use Peloton’s value calculator.

Depending on your current fitness costs, routine, and travel time, purchasing a Peloton could end up saving you money. In either case, everyone saves money once their bike is paid off. And unless for any reason you need to keep your bike someplace else, you will save 100% of your time by not traveling to and from the gym, and it’s hard to put a price on convenience.

Your value calculator will break down your price per workout on your Peloton, cost over time, savings (where applicable), time saved per month traveling, and how long it would take for you to break even where the bike pays for itself. All of this is calculated and displayed in comparison with your current monthly fitness costs.

What Are the Benefits of Owning a Peloton?

Apart from ultimately saving money on a gym membership or other monthly fees, whether trainers or app subscriptions, there are many other benefits to owning a Peloton.

Versatility

With the Peloton’s live and on-demand classes through their All-Access Membership, you can take the following types of classes on the bike or through the Peloton app when on the go:

• Cycling
• Barre
• Strength
• Running
• Yoga
• Pilates
• Meditation
• Cardio
• Walking
• Stretching

Not only do people love Peloton classes because they are led by motivating quality instructors, but they use a wide variety of music.

Community

Peloton is much more than a bike – it’s a community, and you have numerous ways to connect as well as compete if that’s more your thing.

• On the leaderboard, you will see a list of all the people taking the same class and their real-time ranking.
• You can add tags to your profile, such as your hometown or college, to connect with even more specific communities. Say you were to make a special connection with someone, you can also follow friends by searching for them on the leaderboard. You can see their profile, workout history, and when they’re working out when you are logged into the app or bike.
• The “Here Now” feature available during on-demand classes or on your Peloton iOS app enables you to send other members encouragement by tapping on their avatar. For instance, you might send someone a notification for reaching a milestone or as a way of acknowledging their birthday. The Peloton instructors can also give you high fives to keep you motivated – so fun!
• You can also video chat with the people you already follow! All you have to do is select their name and hit the “talk” button to request a video chat so you can motivate each other and have some fun.
• Finally, there is also an Official Peloton Member Page on Facebook – just another one of the many ways you can encourage others and share your milestones, as well as give and receive helpful tips.

What Are the Additional Costs Beyond the Bike?

As mentioned in the beginning, the Peloton is sold in various packages, and each bike package purchase requires a $39/month All-Access Membership. This is where you will get access to all the live and on-demand classes and set up individual profiles for everyone using the bike. With this membership, you also get free access to the Peloton app so that you can do any of the workouts from your phone, laptop, TV, or even your smartwatch. You can pause it or cancel anytime.

Depending on which package you purchase, you may need to buy some of your own accessories separately, shoes being the most important if you opt for just the bike basics. Note that you do not need Peloton shoes, but if you decide to use or purchase your own, the Peloton cleats only attach to shoes with a 3-screw hole setup. The Peloton pedals are clipless and only compatible with Look Delta cleats. However, these can also be changed out – the Peloton bike uses a 9/16″ standard pedal connection.

You can purchase your own heart rate monitor, and the bike is Bluetooth 4.0 enabled, so you can purchase your own headphones as well. If not Bluetooth, then you can use any wired headphones with a standard 3.5 mm connection. There are built-in speakers on the bike, however.

Now that you know a bit more about your options for accessories, it will be worth it for you to compare the costs of what you want to use or what you already have before purchasing a bike package. You may end up finding that a package higher than the basic one is more than worth it.

What About Maintenance and Repair? Do I Need a Warranty?

The Peloton Bike comes with 12-month limited parts and labor warranty. You can also opt to purchase an extended warranty for an additional 12 or 27 months. Warranty coverage is limited to home usage in the U.S. and within Peloton’s service area.

The warranty fully covers the bike’s touchscreen and most bike components. The frame, on the other hand, is covered for five years.

Should your bike need a repair within that coverage period, Peloton will send a trained technician to your home to fix it.

Ready to ride?

Explore Peloton alternatives that offer flexible financing options!

Images from Peloton Bikes

The post Ride Now, Pay Later. How to Finance Your Peloton Purchase appeared first on Shopping Kim.

The post Affirm Stores That Accept Affirm Financing appeared first on Shopping Kim.

Wait, you can’t afford it now? Don’t worry, we’ve found several online stores that allow you to buy now and pay later, and they all sell  mens and ladies watches! Here’s our top stores that offer deferred billing so you can make payments on your watch purchase…

Apple Watch

The most popular digital watch for fans of everything Mac. These high-tech watches come a range of colors and price points. Purchase with 4 installments over 6 weeks when you buy through the Quadpay app and choose retailer Best Buy. 

Reeds

Our top choice for buying authentic watches from top brands across styles. Reeds carries watches from Rolex, Gucci, Breitling and many more. Reed’s is known for  carrying innovative technology and incredible design.  our collection features designer watches to match any lifestyle.

Mobvoi

Is a new AI first technology company that recently came out with some cutting edge new watch lines including the TicWatch Pro 3 GPS  and the TicWatch Pro 4G/LTE. Choose Splitit at checkout for the option to pay in 4-6 interest free installments.

Crown Jewelers

Instant Credit Approval improves your credit rating – Buy fine jewelry including diamond rings, engagement rings, wedding bands, watches, bracelets, pendants, necklaces, earrings and other gold jewelry with a monthly payment of only $25 or 5% of your account balance. Click “Credit Application” link at bottom of the page to apply.

Invicta Stores

Get 12 months special financing available on exclusive Invicta watches with the Invicta Card. Select “Invicta Card” at checkout and apply easily online.

Watch Online Stores that Accept Affirm

The following online stores all sell watches AND accept accept Affirm, which is easier and faster than using a credit card. Simply enter your basic details to get approved instantly. Affirm lets you get your order now, then split your purchase into multiple payments to pay back over time to fit your budget.

• Allurez – Diamonds & fine jewelry
• Certified Watch Store – Watches up to 90% off 
• Citizen Watch – Eco-drive watches
• Frost NYC– Hip hop jewelry
• J.R. Dunn – Designer jewelry store
• JomaShop – Watches and more
• Reeds – Jewelers
• Super Jeweler – Free Shipping Worldwide
• Timex – Timely watches

The following online stores all sell watches AND accept PayPal, so you can choose PayPal Credit (formerly Bill me Later) at checkout to make monthly payments. No Payments + No Interest if paid in full in 6 or 9 months. No Interest if paid in full in 6, 12 or 18 months with minimum monthly payments.

• JomaShop
• WatchCo
• Zales

See our full list of online stores that offer financing.

You have no reason to be late for anything now when you can finance a luxury watch!

The post Time To Buy A Watch? Buy Now, Pay Later appeared first on Shopping Kim.