# Expanded Purchase Financing Tools Klarna Inks a Deal with Walmart for its Buy-Now-Pay-Later Tool By Kanesa D | Published 2025-03-18 | Business Source: Trend Hunter, https://www.trendhunter.com/trends/klarna-6 References: [techcrunch](https://techcrunch.com/2025/03/17/klarna-nabs-walmart-away-from-affirm-and-boosts-its-ipo-prospects/) & [klarna](http://klarna.com)  [Klarna](https://www.trendhunter.com/trends/klarna1) has secured an exclusive partnership to become [Walmart’s](https://www.trendhunter.com/trends/swipe-to-finance) official buy-now-pay-later (BNPL) provider at checkout. Through this deal, Walmart customers will be able to access flexible payment options powered by OnePay, a fintech startup majority-owned by Klarna and backed by [Ribbit Capital](https://www.trendhunter.com/trends/card-payments-product). Walmart will integrate Klarna’s installment-based payment solutions into Walmart’s checkout process, allowing customers to split their payments over time with ease. By leveraging OnePay’s financial technology, Walmart shoppers will gain access to a seamless and transparent BNPL experience, making high-quality retail more accessible without the burden of immediate full payments. As part of the agreement, Klarna will fully take over loan services for Walmart shoppers later in 2025, offering a seamless and convenient way to finance purchases. This partnership follows Walmart's previous partnership with rival company Affirm. Image Credit: Mats Wiklund ## Trend Insights (Trend Hunter) - Score: 3.5/10 - Popularity: 37% | Activity: 31% | Freshness: 37% - Audience gender: 50% men, 50% women - Primary generations: Millennial, Gen X - Top markets: North America ## Categories [Trend Hunter](https://www.trendhunter.com/trends) > [Business](https://www.trendhunter.com/business) ## Key Themes ### Why This Trend Is Growing - **Seamless BNPL Integration:** The integration of Klarna's BNPL solutions into major retail checkout systems simplifies the payment process, offering a frictionless consumer experience. - **Retail-focused Fintech Collaboration:** Partnerships between retail giants and fintech companies like Klarna highlight the growing trend of tailoring financial products to the specific needs of retail consumers. - **Shift Towards Flexible Consumer Credit:** Consumers' increasing preference for BNPL options is driving an industry shift towards more flexible credit solutions in the retail payments space. ### Industries Being Reshaped - **Fintech:** The partnership between Klarna and Walmart illustrates the potential for fintech innovations to revolutionize traditional retail payment models. - **Retail:** The adoption of installment-based payment options in large retailers signals a disruptive change in the retail shopping experience, with increased emphasis on customer convenience. - **Consumer Lending:** As BNPL options become more mainstream, the consumer lending industry is transforming, offering new financial solutions that challenge conventional credit systems. ## Related on Trend Hunter - [Post-Purchase Payment Features](https://www.trendhunter.com/trends/swipe-to-finance.md) - [Shop Anywhere Super Apps](https://www.trendhunter.com/trends/klarna1.md) - [Affordable BNPL Programs](https://www.trendhunter.com/trends/apple-pay-later.md) - [BNPL Shopping Subscriptions](https://www.trendhunter.com/trends/klarna-4.md) - [BNPL-Backed Credit Cards](https://www.trendhunter.com/trends/klarna-5.md) - [BNPL-Enabled Home Retailers](https://www.trendhunter.com/trends/at-home1.md) - [Pay-Later Shopping Cards](https://www.trendhunter.com/trends/klarna-card.md) - [In-Flight Flexible Payment Systems](https://www.trendhunter.com/trends/flexible-payment1.md) - [Streamlined Shopping Apps](https://www.trendhunter.com/trends/streamlined-shopping-apps.md)