What are the requirements to pay over time with One Loans?
Loans are only available when making purchases at Walmart.com or the Walmart app during the checkout process. To apply, you will need to provide the following information during the loan application process:
- Phone number capable of receiving text (SMS) messages
- Legal name
- Email address
- Residential address
- Date of birth - Must be 18 years or older (21 in Mississippi)
- SSN (Social Security Number) / ITIN (Individual Taxpayer Identification Number)
Not all purchases at Walmart.com or the Walmart app are eligible for financing.
How do I apply?
When checking out at Walmart.com or the Walmart app, you may be presented with the option to pay over time with One as a payment option. If so, select the Apply Now button to apply for a One Loan. If approved, you will be able to choose a payment plan that fits your budget, and then make your Walmart purchase using the loan.
How is my loan application evaluated?
Applications are evaluated based on information you provided on the application and your creditworthiness.
What happens after I get approved?
If you’re approved for a loan, you will be presented with up to three loan options. Choose the loan option that fits your budget, and then continue to make your purchase.
You can manage your loan in the Loans section on the Home tab of your One app.
Why was I declined?
For more information regarding our decision, refer to the email you received at the time your application was declined.