This article is to answer for the search “Does Sam’s Club Accept Affirm?”. The wave of Buy now Pay later is changing the pay you shop. Now, you don’t have to worry about paying your bills instantly because you can choose to pay in installments with the help of financial companies like Affirm financing, Zip financing, and many more.
Now, you might want to know if Sam’s Club does accept Affirm or not so that you can shop bulk purchases and pay using Affirm. Well! The good news is that Sam’s Club does accept payments through Affirm financing. Hence you can buy now and pay later at Sam’s Club using Affirm.
How to use Affirm financing at Sam’s Club?
Affirm is easy and safe to use. All you have to do is create an account using www.Affirm.com or Affirm mobile app, and you can buy now and pay over time. It’s as simple as it sounds. Here is a guide to help you make Sam’s club payments using Affirm. Remember, whether you are shopping online or at a Sam’s Club warehouse, you can use Affirm at the checkout. You will find the option to pay using Affirm at the checkout, and you can easily use Affirm using your Affirm account credentials.
- Make an account on Affirm. You need your phone number, email address, and social security number while opening an Affirm account.
- Make your purchase at any Sam’s Club warehouse, gas station, or Sam’s Club online.
- Select Affirm at Checkout
- Enter your mobile number, verification code, and select your payment plan.
- You can pay in installments of 3,6 or 12 months.
- After payment, you can take your purchases home and pay later to Affirm
You can pay later to Affirm without any interest fee, late fee, or prepayment penalties. However, indefinite delay can land you in trouble and might affect your credit score as well. So, pay your Affirm payments on time to enjoy Affirm financing benefits in the future.
Sam’s Club payment plans
Sam’s club allows its customers to pay using two payment plans. Affirm and Zip financing. Now you can pay at Sam’s club using any of the two payment plans. All you have to do is sign up with Affirm or Zip (Previously known as Quadpay) and pay using them at the checkout.
Affirm is like a credit card opinion without any interest fee or annual charges. However, zip financing charges a $1 convenience fee per installment from its customers. You can use Zip financing while checking out, in the same way as Affirm. Here is a comparison of both the services to help you shop better at Sam’s club.
| Affirm Financing | Zip financing |
| Does not affect your credit score | Does not affect your credit score |
| You can make purchases up to $17,500 using Affirm | There’s a maximum spending limit of up to $1000, which can be increased later |
| No interest fee or late fee | A convenience fee of $1 is charged per installment and a late fee of $7 |
| You can pay in installments of 3,6,9 or 12 months | You can pay in four installments of your choice (Within a year) |
Benefits of Using Affirm at Sam’s Club
Affirm financing is completely safe. You can make purchases not only at Sam’s Club but shop at other 12,000 merchants, including Amazon, Target, and many more. Affirm does not charge any additional fee in the form of interest. Hence, considering all the benefits, you can use Affirm financing for your shopping at Sam’s Club without any worries. However, don’t use Affirm or any other Buy now pay later option at Sam’s Club if:
- Your purchase is not urgent. Save money because payment options like Affirm can often make you buy more than what you need.
- If you cannot pay your installment on time, it can affect your credit score in the future
- If you can repay your loan amount in a month or two. Because debt is never healthy
- If you think you might return the item because Affirm only returns the principal amount
Payment options at Sam’s Club
Sam’s Club offers many payment options for its customers. At sams club, you can pay using:
- Payment plans – Affirm or Zip financing
- All the major debit and credit cards
- Cash or check
- Sam’s club credit card for extra benefits
- EBT (Electronic benefits transfer)
- Prepaid credit cards
- Walmart credit cards
With many payment options available at Sam’s club you can explore other options before you go for Affirm financing.
To Conclude
Affirm is a suitable buy now pay later option if you are on a tight budget. You can make your payments in installments without additional charges. As of 2022, Sam’s club only accepts Affirm and Zip financing as its payment plan. However, Affirm is profitable and more popular than Zip financing.
Frequently asked questions
1. Do we need to make a downpayment to avail of Affirm financing?
A. No. A downpayment is not necessary to make a purchase at Sam’s Club. However, certain purchases might require you to make a downpayment.
2. How many purchases can you make using Affirm at Sams’ club?
A. You can make purchases up to $17,500 at Sam’s club at once. However, you can’t avail of a new loan without repayment if you exceed your maximum credit limit of $17,500.