How it works
- Add items to your cart (or shopping bag).
- Check out with Shop Pay.
- 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.
Buy now, pay later with Shop Pay
When you choose Shop Pay at checkout, you can split your purchase into flexible installment payments.*
Quick decision, flexible payments, no late fees
You can create icons for quick decision, flexible payments and no late fees, and use the approved text.
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.
*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.
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?Our Storefront only accepts returns for Exchange & Store Credit on Eligible Orders, we are not responsible for further payments made through Shop Pay once a return has been processed. Visit our Store Exchange & Store Credit Policy
Have more questions?
For questions about installment payments on Shop Pay, visit https://shoppay.affirm.com/.