Affirm Secures New Installment Deal With Sam’s Club
The firm will offer pay-over-time options at Sam's Club locations after losing the Walmart contract last year.
Updated on Oct. 29, 2026 in Financial Services
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Affirm has signed a multi-year deal to provide exclusive installment financing for Sam's Club shoppers. The payment services will integrate into SamsClub.com in the coming weeks before expanding to physical store locations in 2027.
Why it matters
The partnership allows Affirm to regain a foothold within the Walmart retail family following its 2025 replacement by Klarna at Walmart. Sam's Club sought the deal to provide new financing options for customers ahead of the holiday shopping season.
Affirm recently reported $1.04 billion in fiscal third-quarter revenue and a 35% year-over-year increase in gross merchandise volume to $11.6 billion. Shares for the company closed at $72.40 on October 22, 2026.
The players
Affirm
This publicly traded financial technology company provides buy-now-pay-later services to consumers.
Sam's Club
This warehouse club chain is a subsidiary of Walmart that operates membership-based retail locations.
Klarna
This global fintech company competes in the installment lending space and replaced Affirm at Walmart in 2025.
Walmart
This multinational retail corporation owns Sam's Club and operates a vast network of physical and online stores.
The details
Eligible shoppers will be able to apply for installment financing directly at checkout and receive real-time credit decisions. This rollout is part of Affirm's strategic effort to diversify its retail distribution network.
Timeline
Affirm held the Walmart pay-over-time contract from 2019 until March 2025.
Klarna priced its initial public offering at $40 a share in September 2025.
Affirm and Sam's Club signed the new agreement on October 22, 2026.
Services are scheduled to launch on SamsClub.com in the coming weeks.
Physical club locations will begin offering the services in 2027.
Market Landscape
This deal marks a tactical expansion for Affirm as it attempts to reclaim distribution within the broader Walmart retail ecosystem. It highlights the ongoing battle for retail installment dominance as firms like Klarna and Affirm compete for exclusive store-level partnerships.
Sam's Club shoppers will soon have a new way to finance purchases at checkout, potentially aiding larger holiday expenses. The availability of these services will expand from the website to brick-and-mortar stores over the coming year.
The takeaway
Retailers continue to refine their checkout experiences by leveraging exclusive partnerships with fintech providers. Consumers can expect more integrated financing options as companies compete for market share in the holiday shopping season.
What happens next
Affirm is scheduled to report its next round of earnings on November 5, 2026.
Further reading
Learn more about the latest industry shifts in the Financial Services section.
Source note: This article includes information reported by Startup Fortune.
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