Just like last year, layaway season 2021 is here....But unlike last year, Walmart has decided to discontinue it's layaway program across all of it's stores.

Last year there were still a few Walmarts that were offering the traditional layaway program but, this year that is a "no go" no matter what Walmart store you go to in the whole United States.

So, is there an alternative? Kind of. You see according to Walmarts website, to replace the layaway program, Walmart has forged a new partnership with a company called "Affirm".

Affirm will now allow customers to buy items now and pay over time. So basically, it's a loan program. You finance your purchases over the course of 3-24 months. Now, there is no late fee, or annual fee but a customer does have to apply for the loan and there will be interest charges as well ranging from 10% to 30 % based on a persons credit score.

If you are wondering what types of items you can buy at Walmart and finance with Affirm? There's a pretty decent selection of items such as electronics, video games, musical instruments, tools, baby items, home goods, jewelry and more. There are also several category of items that can not be financed via Affirm.

CLICK HERE to see the complete list of items, and get all the details on this new collaboration with Affirm.

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