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Walmart customers won’t have a chance to linger this holiday season.
After experimenting with dropping seasonal layaways in select stores last year, the retail giant said it will be ditching layaways in all of its stores this year.
“We have learned a lot over the past year as our customers’ needs and shopping habits have changed,” a Walmart spokesperson said of the change. “During the last Christmas season, we removed seasonal warehouse breaks in most of our stores with the exception of select trinkets in select stores, and based on our findings, we are confident that our payment options provide the right solutions for our customers.”
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Layaway allows customers to pay a small deposit to put an item on hold. After sufficient interest-free payment to repay the item, the customer can call up his product.
Layaway may no longer be available, but by partnering with Affirm, an installment loan finance lender, Walmart is moving into an area of ââbuying now and paying later.
In this photo illustration, a Walmart logo is displayed along with a shopping cart on a smartphone. (Photo illustration by Rafael Henrique / SOPA Images / LightRocket via Getty Images)
Affirm does not charge any late fees, prepayment fees, annual fees, hidden fees, or service fees for opening or closing accounts. However, it offers 10 to 30% APR on products such as electronics, video games, toys, household, crafts, musical instruments, home improvement, automobiles, sports & outdoors, tools, babies, jewelry and apparel.
The loan repayment options range from three months to one year for purchases between $ 144 and $ 799.99 and 1 to 2 years for purchases between $ 800 and $ 2,000.
Other financial platforms like PayPal and Afterpay offer installment payment options for customers.
This story was reported from Atlanta.
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