Buy Now, Pay Later With Shop Pay
When you choose Shop Pay installments at checkout, you can split your purchase into 0% interest installment payments—with no additional, hidden, or late fees.*
How it works:
1. Add items to your cart.
2. Check out with Shop Pay.
3. Choose to pay in installments
Pay in 4: Your first payment is due at the time of purchase. The next 3 remaining installments will be automatically charged to your card saved on Shop Pay every 2 weeks. And don't worry, you'll get an email reminder before each payment to keep you in the know.
Pay monthly: Your first payment is due at the time of purchase. The next 11 remaining installments will be automatically charged to your card saved on Shop Pay monthly. And don't worry, you'll get an email reminder before each payment to keep you in the know.
What’s more – when you check out with Shop Pay, the delivery emissions from your order are automatically offset for free.
Are there any minimum or maximum requirements?
Pay in 4: Pay in full or in 4 interest-free installments for orders between $50 and $999.99 with Shop Pay.
Pay monthly: Pay in 12 interest-free installments for orders between $150 and $17,500 with Shop Pay.
Does Shop Pay installments impact my credit score?
When using Shop Pay installments, there will be no impact to your credit score since Affirm doesn't conduct a hard credit pull or report to the credit bureaus. However, late payments and non-payments may affect your ability to pay with Shop Pay installments in the future.
Can I purchase a gift card using Shop Pay Installments?
No. Gift cards can't be purchased using Shop Pay Installments.
How to I manage my payments for Shop Pay installments?
You can log in to Shop Pay to view your order history and payment status for orders that are paid in installments with Shop Pay.
Which payment methods are accepted if I use the option to pay in Shop Pay installments?
The installments option on Shop Pay is available on all major debit and credit cards.
Are there late fees?
No, there are no late fees if you miss a scheduled payment.
What happens if I pay with Shop Pay installments and then return items or cancel my order?
If we process a refund, the refunded amount will be returned 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, 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, the difference will be returned to your original payment method within 3-10 business days.