Create now, pay later with Shop Pay
When you choose Shop Pay at checkout, you can split your purchase into 4 equal, 0% APR interest installment payments - with no additional, hidden, or late fees.*
How Shop Pay Installments work
- Add items to your cart or create a bundle.
- Check out with Shop Pay.
- Choose to pay in 4 installments.
Your first payment is either due at checkout or 2 weeks after your purchase. The next 3 remaining installments are automatically charged to your card saved on Shop Pay every 2 weeks. Don't worry, you'll get an email reminder before each payment to remind you.
Are there late fees?
No, there are no late fees if you miss a scheduled payment.
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 4 equal, biweekly installment payments with no hidden or late fees, and the eligibility check has no impact to your credit.
Rates from 0% APR to 10-36% APR. Payment options through Shop Pay Installments are subject to an eligibiltiy check and are proivided by these lending partners: Affirm Lenders. In some instances, your first payment is due when you make your purchase; otherwise, your first payment is due 2 weeks after your purchase.
Options depend on your purchase amount, and a down payment may be required. State notices to consumers Affirm Licenses.
What if I make a return on a purchase made through Installments with Shop Pay?
If your refund amount is less than the amount remaining on your Shop Pay Installments balance, then you can expect one or both of the following:
- A smaller payment balance on the final payment
- Less future payments on the remaining loan balance
If your refund amount is more than the amount remaining on your Shop Pay Installments balance, then you can expect to receive the difference as a refund to your original debit card or credit card payment method within 3 to 10 business days.
Which payment methods are accepted if I use the option to pay Installments on Shop Pay?
The installments option on Shop Pay is available on debit and credit cards.
*Payment options are offered by Affirm and are subject to eligibility check and might not be available in all states. California residents: Affirm Loan Services, LLC is licensed by the Department of Business Oversight. Loans are made or arranged pursuant to California Financing Law license.