Figuring out the perfect holiday present for everyone on your “nice” list is no small feat, particularly because there’s pretty much always going to be a handful of people who feel like the gifting equivalent of a Rubik’s Cube, i.e. extremely hard to solve. If you’re nodding and groaning as you read this, fret not, friend—we’re making things a whole lot easier for you this year. Or rather, Affirm is.

Not only do they have a handy buy now, pay later payment model with transparent and flexible terms (and no hidden or late fees!), but they also have a partnership with Walmart, which just so happens to be a tricky-gift-recipient goldmine. Keep scrolling for our equally handy shopping guide.

For the mom who has a uniform…

This mom rarely strays from her routine, and is maybe even a little bit resistant to change (for evidence please see: that legendary 10-minute video of her hugging you before dropping you off for college). So why not use the upcoming holiday season as an excuse to help her experiment a little, starting with some personality-filled outerwear? There’s a quilted suede jacket just begging to be paired with her favorite pair of jeans, and maybe some ice skates. This pristine Ralph Lauren motorcycle jacket will make her feel 19 again, minus the shoulder pads. Oh, and this suede car coat? The makings of another 10-minute hug, for sure.

 

 

 

 

For the hottie you’re starting to get more serious with…

Let’s just say it would be unusual not to overthink this gift, so if you are, you’re not alone. Choosing something for a new S.O.—casual enough that it doesn’t feel like too much too soon, but special enough that it shows you really care—can get more complicated than advanced calculus. It’s hard to go wrong with a pair of classic Persol sunglasses, though. Ditto for a leather wallet with plenty of credit card storage. Or, if they’re the type who would barter a home-cooked meal for a foot massage, then this gift (only $19 / a month with Affirm!) would almost definitely be a “win-win.”

 

 

 

The friend who never has time to treat herself…

Maybe she’s been working extra hard on a new project, or taking care of a new baby, or cramming for an important test. Whatever the reason, this friend deserves to indulge in more than just brown butter chocolate chip cookie dough (but keep that coming too, please). Perhaps she’d appreciate a fresh pair of cozy Ugg boots with holiday-ready bow details, or a forever keepsake like this 10K gold herringbone chain necklace. If some literal pampering is in order, how about a pale green mini makeup refrigerator? And feel free to take the liberty of stocking it with her favorite products. Say it with us: Ahh.

 

 

 

For the dad who insists that ✨you✨ are his holiday gift…

That’s really cute, Dad, but you’re still getting a real present! Even the most gift-resistant father will be putty in the proverbial hands of these Nike fleece joggers. They just so happen to exist in that sweet spot of “smart but still comfy,” since they’re ideal for errands and overnight flights alike. We’d also be willing to bet our freshly spiked eggnog that he would geek out over a Fitbit (although fair warning, he WILL expect you to listen to his sleep quality recaps on a routine basis). Then again, if he’s a sucker for smelling great (who isn’t?), fancy cologne is also an excellent idea, especially when you can pay for it in bite-sized installments with Affirm.

 

 

 

For the older sister you’ve always looked up to…

Picking out a gift that expresses adequate appreciation for the person who taught you how to tie your sneakers and took you to buy your first training bra is a tall order. Luckily you’re old enough to know what’s cool now, too—like, for example, noise-canceling wireless headphones in a shade of yellow so eye-catching that your sister will never lose them. Or mid-top sneakers with a plush sherpa lining to keep her toes simultaneously warm and stylish. Or! If you really want to up the wow factor: a pair of timeless diamond earrings she can wear with anything, including the mini skirt you “borrowed” for almost a year.

 

 

 

Whew! Ho-ho-hope you’re feeling accomplished. Click here to find even more holiday gifts for everyone on your list at Walmart, and pay for them at your own pace with Affirm’s ultra-flexible payment methods.**

Disclosure: **Your rate will be 0% APR or 10 to 30% APR based on credit and is subject to an eligibility check. For example, a $700 purchase might cost $63.25 per month over 12 months at 15% APR. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lender license. Also, this is a sponsored section.