Walmart customers won’t have a layaway option this holiday season.

After trying to remove seasonal layaways at some stores last year, the retail giant said it was removing layaways from all of its stores this year.

“We have learned a lot over the past year as the needs and buying habits of our customers have changed,” a Walmart spokesperson said of the change. “This past holiday season, we removed seasonal layaways from most of our stores with the exception of certain jewelry items in certain stores, and based on what we have learned, we are confident that our payment options provide the right solutions for our customers. “

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Layaway allows customers to pay a small deposit to put an item on hold. After making enough interest-free payments to pay for the item, the customer can pick up their product.

The layaway may no longer be available, but Walmart is moving into a buy-now and pay-after space by partnering with Affirm, a financial lender of installment loans.

Affirm does not charge late fees, prepayment fees, annual fees, hidden fees, or service fees for opening or closing accounts. However, it offers 10% to 30% APR on products such as electronics, video games, toys, home, crafts, musical instruments, home improvement, automotive, sports. and the outdoors, tools, babies, jewelry and clothing.

The loan repayment options vary from three months to one year for purchases between $ 144 and $ 799.99 and from 1 to 2 years for purchases between $ 800 and $ 2,000.

Other financial platforms, such as PayPal and Afterpay, offer installment payment options to customers.

This story was reported from Atlanta.