Affirm’s flexible pay-over-time BNPL options are now available in?self-checkout kiosks at over 4,500 Walmart stores in the United States.

Affirm, a provider of buy now pay later (BNPL) services, has announced an expansion of its collaboration with Walmart, which enables eligible shoppers to pay over time for their Walmart purchases when checking themselves out in-store.

With the latest upgrade, Affirm’s BNPL credit options are now accessible for U.S. consumers in Walmart stores nationwide, on walmart.com, in the Walmart app, as well as at Walmart Vision and Auto Centers.

“Recent Affirm research revealed that more than half of Americans (54%) are looking for retailers to offer a buy now, pay later option at checkout. Moreover, we’ve found that 76% of consumers would either delay or not make a purchase without Affirm. Expanding our partnership with Walmart and bringing Affirm’s transparent monthly pay-over-time options to their self-checkout kiosks in the U.S. will help even more consumers increase their purchasing power during the holiday shopping season and beyond.”

Pat Suh, Affirm’s SVP of Revenue

BNPL payment options are becoming increasingly popular due to their ease of use and transparency. Unlike credit cards, which often come along with unexpected additional costs and bring confusion as per how they work, their fee structure and the danger of rolling over debt month to month, BNPL services like Affirm “show consumers exactly what they will pay upfront, never increase that amount, and never charge any late or hidden fees.”

Affirm executives have also previously noted that if the high level of interest rates persisted for a long period, consumer demand for the firm’s short-term loans would increase. In many cases, BNPL instalments are not only more transparent but also much more affordable than traditional consumer credit options.

Affirm’s Adaptive Checkout flexible payment option is used by many prominent retailers and fintech providers such as Amazon, Stripe, and Target.