Shop Pay Installments
Split your purchase into 4 easy payments—with no hidden fees, no surprises!*
How it works
- Add items to your cart.
- Check out with Shop Pay.
- Choose to pay in 4 installments.
Your first payment will either be due at checkout or 2 weeks after your 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.
Shop Pay Installments FAQ
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 0% APR interest, no hidden or late fees, and checking eligibility will have no impact on your credit score.* In some instances, your first payment is due when you make your purchase; otherwise, your first payment is due 2 weeks after your purchase.
Will using the installments feature on Shop Pay impact my credit score?
No, checking eligibility has no impact to credit. For Shop Pay installments, Affirm will not report to credit bureaus.
Which payment methods are accepted if I use the option to pay in installments on Shop Pay?
The installments option on Shop Pay is available on debit and credit cards.
Are there late fees?
No, there are no late fees if you miss a scheduled payment.
What if I make a return on a purchase made through installments with Shop Pay?
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.
How can I manage my Shop Pay account or change payment methods and addresses?
You can manage all of these settings through the Shop portal here.
If you have more questions about how Shop Pay works, they have a great article about it here.
I have more questions
*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 https://www.affirm.com/licenses.