How it works
- Add items to your cart (or shopping bag).
- Check out with Shop Pay.
- Choose the option to pay in installments.
Your first payment is due at checkout. The remaining payments are automatically charged to your card saved on Shop Pay based on the payment plan you chose. Don't worry, you'll get an email reminder before each payment to remind you.
Buy now, pay later with Shop Pay
When you choose Shop Pay at checkout, you can split your purchase into flexible installment payments.*
Quick decision, flexible payments, no late fees
- Quick decision - Get a real-time decision on your eligibility.
- Easy payments - Split your purchase into easy bi-weekly or monthly payments.
- No surprises - No late or hidden fees.
READ MORE FREQUENTLY ASKED QUESTIONS BELOW
Shop Pay Installments
- For orders between 50 USD to 999.99 USD, you can split your purchase into four bi-weekly, interest-free installment payments. There are no additional charges, interest rates, or late fees for this option, and your credit score isn't affected.
- For orders between 150 USD to 17,500 USD, you can split your purchase into monthly installment payments. While there are no late fees for monthly installment payments, your order is subject to interest fees. Your credit score isn't affected when you apply, but it can change if you don't make your payments on time.
After you make your first payment at checkout, you'll be charged either biweekly or monthly, depending on the installment payment option you chose. You'll be reminded by email and SMS text (if applicable) before each payment is charged to your card. You can also turn on push notifications in the Shop app to be reminded. However, you can't customize your payment schedule.
FREQUENTLY ASKED QUESTIONS & ANSWERS:
What is the option to pay in installments on Shop Pay?
When checking out with Shop Pay, you now have the option to pay now or later. Paying in installments on Shop Pay allows you to split your purchase amount into four equal, biweekly installment payments with 0% APR, or monthly installments with no hidden or late fees*.
Which payment methods are accepted if I use the option to pay in installments on Shop Pay?
For non-interest bearing orders, debit and credit cards are accepted through Shop Pay. For interest bearing orders, you can only pay using a debit card.
Can I use Shop Pay Installments if I'm an international customer?
Shop Pay Installments is only available to customers with a United States billing address and a United States mobile phone number. Customers with international billing addresses or phone numbers can't use Shop Pay Installments.
Is there a limit to how much I can spend on a single Shop Pay Installments order?
Yes, 17,500 USD is the order value limit that applies to purchases using Shop Pay Installments, including discounts, shipping, and taxes.
Can I pay in-store with Shop Pay Installments?
Yes, we offer Shop Pay Installments at our retail locations. Come visit us in store to learn more.
Can I pre-qualify for a purchase amount before visiting the store?
No. An application for Shop Pay Installments can only begin with a live checkout. Applying in store only takes a few steps and you’ll get a real-time decision in minutes.
Can I buy gift cards with Shop Pay Installments?
You can't purchase gift cards using Shop Pay Installments. If you want to purchase gift cards along with Shop Pay Installments eligible products, then you need to place two separate orders.
Are there late fees?
No, there are no late fees if you miss a scheduled payment.
What if I miss an installment payment?
There are no late fees for customers who miss a scheduled payment. However, partial payments or late payments might impact your credit score, or your eligibility to use Shop Pay Installments in the future. If you have questions about a missed installment payment, then you can contact Affirm support for assistance.
What if I make a return on a purchase made through installments with Shop Pay?
To request a refund, contact the store where you purchased your item. Using their return policy, the store will advise if a return is possible. If a return is possible, then the store will advise how much the refunded amount will be. After your refund is processed, the refund amount will be applied to your original payment method within 3-10 business days and your balance will be updated.
If your refund is less than your total purchase balance, then it might not lower your next payment. Instead, you can expect fewer payments, a smaller final payment, or both.
If your refund is more than your purchase balance, then the difference is returned to your original payment method within 3-10 business days.
If your order is made with interest payments, then the paid interest isn't refunded. When you make payments, the funds are first applied to the accrued unpaid interest and then to the principal. Interest is the cost of borrowing, and isn't refundable.
Have more questions?
For questions about installment payments on Shop Pay, visit https://shoppay.affirm.com/.
