Tight budget? Walmart has a new 'buy now, pay later' self-check-out option.
This is going to change how a lot of people shop.

Walmart announces a new buy now, pay later program at self checkout.
Americans have suffered from rising rents, mortgages and grocery bills over the past few years and now 60% live paycheck to paycheck. Even people in higher income brackets are feeling the pinch, with over half of Americans earning over $100,000 having little to no money left after expenses.
To help Americans spread out their expenses and get a little financial breathing room, Walmart is now offering buy now, pay later loans through Affirm for the first time at self-checkout kiosks at more than 4,500 locations.
"Eligible shoppers can easily pay over time for their favorite electronics, apparel, toys, and more in simple monthly payments when checking themselves out in-store," Affirm said in a news release.
Now, shoppers who spend more than $144 at Walmart, excluding groceries, can spread their payments over 3 to 24 months. Loans are capped at $4,000.
The process is pretty simple. Customers can enter items at the self-checkout kiosk and then when finished, log on to the Affirm website and enter the last 4 digits of their social security number. Once the customer has input their information and they are approved, they will receive a barcode to complete the payment.
The payment option will also be available in Walmart Vision and Auto Centers. So, if you get a flat tire or break your glasses, you can get them fixed even if you’re strapped for cash.
Affirm says that this new financial option is something that customers have wanted for a while.
“Recent Affirm research revealed that more than half of Americans (54%) are looking for retailers to offer a buy now, pay later option at checkout. Moreover, we’ve found that 76% of consumers would either delay or not make a purchase without Affirm,” Pat Suh, Affirm’s SVP of Revenue, said in a statement. “Expanding our partnership with Walmart and bringing Affirm’s transparent monthly pay-over-time options to their self-checkout kiosks in the U.S. will help even more consumers increase their purchasing power during the holiday shopping season and beyond.”
Buy now, pay later apps such as Affirm, Klarna and Afterpay have surged in popularity recently as Americans are looking for more options to stretch their spending and credit card debt has reached an all-time high. The $309 billion industry is expected to grow by more than 25% by 2026.
“The consumer is incredibly adept at finding ways to stretch their spending and, healthily or not, BNPL has certainly provided that outlet,” Simeon Siegel, an analyst with BMO Capital Markets, told The Washington Post. “It’s not the only way, but I think it has been the easiest way in recent years.”
Even though it’s great for people to have more options to pay for their essentials, some economists worry that buy now, pay later loans will make the average American’s debt problems even worse. “[Buy now, pay later loans] could lead to an increase in consumer debt, as consumers may be more likely to take on additional debt if they know they can spread out the payments,” Tim Quinlan, senior economist at Wells Fargo, told CNBC. “You can bury yourself in low monthly payments.”
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There's a reason why some people can perfectly copy accents, and others can't
Turns out, there's a neurodivergent link.
A woman in black long sleeve shirt stands in front of mirror.
Have you ever had that friend who goes on vacation for four days to London and comes back with a full-on Queen's English posh accent? "Oooh I left my brolly in the loo," they say, and you respond, "But you're from Colorado!" Well, there are reasons they (and many of us) do that, and usually it's on a pretty subconscious level.
It's called "accent mirroring," and it's actually quite common with people who are neurodivergent, particularly those with ADHD (Attention Deficit Hyperactivity Disorder). According Neurolaunch, the self-described "Free Mental Health Library," "Accent mirroring, also known as accent adaptation or phonetic convergence, is the tendency to unconsciously adopt the accent or speech patterns of those around us. This linguistic chameleon effect is not unique to individuals with ADHD, but it appears to be more pronounced and frequent in this population."
Essentially, when people have conversations, we're constantly "scanning" for information—not just the words we're absorbing, but the inflection and tone. "When we hear an accent, our brains automatically analyze and categorize the phonetic features, prosody, and intonation patterns," writes Neurolaunch. For most, this does result in copying the accent of the person with whom we're speaking. But those with ADHD might be more sensitive to auditory cues. This, "coupled with a reduced ability to filter out or inhibit the impulse to mimic…could potentially explain the increased tendency for accent mirroring."
While the article explains further research is needed, they distinctly state that, "Accent mirroring in individuals with ADHD often manifests as an unconscious mimicry of accents in social situations. This can range from subtle shifts in pronunciation to more noticeable changes in intonation and speech rhythm. For example, a person with ADHD might find themselves unconsciously adopting a Southern drawl when conversing with someone from Texas, even if they’ve never lived in the South themselves."
People are having their say online. On the subreddit r/ADHDWomen, a thread began: "Taking on accents is an ADHD thing?" The OP shares, "My whole life, I've picked up accents. I, myself, never noticed, but everyone around me would be like, 'Why are you talking like that??' It could be after I watched a show or movie with an accent or after I've traveled somewhere with a different accent than my 'normal.'
They continue, "Apparently, I pick it up fast, but it fades out slowly. Today... I'm scrolling Instagram, I watch a reel from a comedian couple (Darcy and Jeremy. IYKYK) about how Darcy (ADHD) picks up accents everywhere they go. It's called ADHD Mirroring??? And it's another way of masking."
(The OP is referring to Darcy Michaels and his husband Jeremy Baer, who are both touring comedians based in Canada.)
Hundreds of people on the Reddit thread alone seem to relate. One comments, "Omfg I've done this my whole life; I'll even pick up on the pauses/spaces when I'm talking to someone who is ESL—but English is my first language lol."
Sometimes, it can be a real issue for those around the chameleon. "I accidentally mimicked a waitress's weird laugh one time. As soon as she was out of earshot, my family started to reprimand me, but I was already like 'oh my god I don’t know why I did that, I feel so bad.'"
Many commenters on TikTok were shocked to find out this can be a sign of ADHD. One jokes, "Omg, yes, at a store the cashier was talking to me and she was French. She's like 'Oh are you French too? No, I'm not lol. I'm very east coast Canada."
And some people just embrace it and make it work for them. "I mirror their words or phrase! I’m 30. I realized I start calling everyone sweetie cause my manager does & I work at coffee shop."