Sam's Club picks Affirm for BNPL

Affirm has secured an exclusive, multi-year partnership with Sam’s Club to provide Buy Now, Pay Later (BNPL) options for members. This move brings flexible payment terms to one of the largest warehouse retailers in the country. Initially, the service will roll out on the Sam’s Club website. However, the roadmap includes an expansion to physical locations by 2027. For retailers, this highlights a critical trend: the expectation of financing is no longer limited to high-ticket electronics or furniture. It is becoming standard for everyday bulk shopping and general retail. For operators, this deal validates the long-term staying power of transparent, fixed-payment financing over traditional revolving credit. Affirm’s model does not charge late fees or hidden costs, which appeals to budget-conscious shoppers looking for predictability. By integrating this at checkout, Sam’s Club aims to increase average order values and capture younger demographics who avoid high-interest credit cards. If you are a mid-market retailer, seeing a giant like Sam’s Club commit to a multi-year BNPL exclusive should signal that customers now expect these 'pay-over-time' options as a baseline requirement at checkout.

Source: Finextra — Lending

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