No more buy now, pay later vacation financing offered by retailers

Buy Now, Pay Later, Funding is becoming a staple for Walmart, Amazon, Target, and many other retailers ahead of the holiday shopping season. Walmart was the king of layaways for years, offering consumers the flexibility to purchase holiday gifts or other big-ticket items on time and at no additional cost.

One caveat was that consumers had to pay for layaway items on a regular basis and the purchase had to be made and picked up at the store by December 15.

This year’s consumers do not have this option. Walmart recently switched to a new financing program offered by Affirm, a finance company that offers installment loans for retail purchases over a specified period.

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