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Affirm lands multi-year deal as Sam's Club's exclusive BNPL provider

Milena Thomas
Published Oct 22, 2026
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Summary:
  • Affirm will be Sam's Club's exclusive buy now, pay later partner under a multi-year deal, starting online in the coming weeks and extending to stores in 2027.
  • The arrangement was detailed in a Thursday statement with no financial terms, and featured a pitch from Affirm's CRO on predictable payments.
  • Klarna was selected last year as Walmart's OnePay preferred installment-loan provider; as of Wednesday's close this year, Klarna's stock has fallen more than 54%, and Affirm's is lower by 1.2%.

The deal and the rollout

Affirm struck a multi-year agreement to become the exclusive BNPL provider for Walmart's Sam's Club. It will first appear on the Sam's Club website in the coming weeks, with in-store availability planned for 2027, according to a Thursday statement that did not disclose terms.

San Francisco-based Affirm leaned on a familiar message. "When people pay over time with Affirm, they know what they'll owe and choose a plan that fits their lives," Chief Revenue Officer Wayne Pommen said.

Competitive backdrop

The move follows a different Walmart tie-up: in the prior year, Klarna Group Plc was selected as Walmart's OnePay preferred installment-loan provider. The news pressured Affirm shares, and the company said that, over the six months ended Dec. 2024, its Walmart partnership accounted for roughly 2% of adjusted operating income.

This year has been bumpy for Klarna, with revenue projections trimmed and a search underway for a crucial senior hire.

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Why it matters for investors

An exclusive lane at Sam's Club adds a fresh checkout channel for Affirm just ahead of the holiday stretch, with physical stores joining later. Inside Walmart's ecosystem, the roles are distinct: Affirm at Sam's Club, and Klarna chosen last year as the preferred installment-loan provider for OnePay. The bottom line: BNPL is a distribution game, and winning the cart can influence who captures the growth.

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