Shop now & pay later with Shop Pay Installments ♡ Just select Shop Pay at checkout!

Shop Pay Installments Overview + FAQ

SHOP PAY INSTALLMENTS OVERVIEW

Shop Pay gives you the option to pay in full at checkout, or to pay for your order over time with installments.

How it works:
  1. Add items to your cart.
  2. Check out with Shop Pay.
  3. 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.

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.

Depending on your purchase amount, there are two ways that you can pay for your order in 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.

Shop Pay Installments is powered and serviced by Affirm and is only available in some stores.

Eligibility:

When choosing Shop Pay Installments, the following limitations apply:

  • You can't pay for an order if the order includes currency in any form, including virtual and digital currency, like gift cards.
  • Orders need to be between 50 USD and 17,500 USD, including shipping and taxes.
  • If you change your Shop Pay phone number, then you also need to update your phone number with Affirm before you can pay for another purchase using Shop Pay Installments.
  • Shop Pay Installments doesn't accept Capital One cards, prepaid debit cards, or prepaid credit cards.
  • If you split your order into four bi-weekly payments, then you can pay with a credit card or debit card.
  • If you pay for your order in monthly payments, then you can only pay with a debit card.

To use Shop Pay Installments, you need to have a United States billing address, and be signed up for Shop Pay. For physical products that require shipping, a US shipping address must be provided. If your cart only has digital products, then a US shipping address isn't required.

Learn more on the Shop website.

SHOP PAY INSTALLMENTS FAQ


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 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, please see our Refund policy. 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/.