Affirm Holdings Inc (NASDAQ:AFRM) shares are trading lower Tuesday following a report indicating Walmart Inc’s (NYSE:WMT) majority-owned startup One has started offering buy now, pay later services.

This lower-interest alternative to a credit card splits up purchases into equal payments over time, but it has downsides.

Buy now, pay later (BNPL) leader Affirm Holdings Inc. (NASDAQ: AFRM) is having a 20% off sale that may be one of the best bargains in retail. After riding a nine-week win streak to $52.48 on December ...