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Flexible Payment Options with Shop Pay

Pay your way

More flexibility at checkout, online and in-store. Pay with interest-free payments, or monthly installments up to 24 months.
Learn more

You choose how to pay

You can split purchases into interest-free payments, or monthly installments. Available online and in-store. No hidden, or late fees. Plus no impact to your credit score.

Bi-weekly installments for 6 weeks at 0% APR

Monthly installments up to 24 months12

Interest-free payments up to 12 months3

1You can pay monthly installments for orders between $150 and $30,000 USD. 2For an order exceeds $20,000 USD, the customer is required to pay a down payment for the remaining balance upfront. 3Some merchants may only be eligible to offer customers up to 6 months of interest-free monthly installments.

* Rates from 0-36% APR. For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR. Payment options through Shop Pay Installments are subject to eligibility and are provided by Affirmā€™s lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. More options may be available upon approval. State notices to consumers: affirm.com/licenses.

Frequently Asked Questions

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*.

*Rates from 0-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers affirm.com/licenses.

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.

Is there a limit to how much I can spend on a single Shop Pay Installments order?

Yes, 20,000 USD is the order value limit that applies to purchases using Shop Pay Installments, including discounts, shipping, and taxes.

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 youā€™ll get a real-time decision in minutes.

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/.