Financing
Shop now - Pay later
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.
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
- 🔄 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.
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 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?
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 international customers use Shop Pay Installments?
Shop Pay Installments is only available to customers with a United States billing address and a U.S. mobile phone number. Customers with international billing addresses or phone numbers cannot use Shop Pay Installments.
Is there a purchase limit?
Yes. $20,000 USD is the order value limit for purchases made using Shop Pay Installments, including discounts, shipping, and taxes.
Can I pay in-store with Shop Pay Installments?
Yes, Shop Pay Installments are available at our retail locations. Visit us in store to learn more.
Can I pre-qualify 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 you’ll receive a real-time decision in minutes.
Can I buy gift cards with Shop Pay Installments?
No. Gift cards cannot be purchased using Shop Pay Installments. If you want to buy gift cards along with eligible products, you must place two separate orders.
Are there late fees?
No, there are no late fees if you miss a scheduled payment.
What if I miss a payment?
There are no late fees. However, partial or late payments may impact your credit score or your eligibility for Shop Pay Installments in the future. For assistance with a missed payment, contact Affirm support.
What if I return an item purchased through installments?
Contact the store where you purchased your item. Using their return policy, the store will determine if a return is possible and the refund amount. Once processed, the refund is applied to your original payment method within 3–10 business days.
If your refund is less than your total balance, it may not reduce your next installment — instead, expect fewer payments, a smaller final payment, or both.
If your refund exceeds your remaining balance, the difference will be returned to your original payment method within 3–10 business days.
If your order accrued interest, the interest portion is not refundable. Payments are applied to unpaid interest first and then to the principal.
Have more questions?
For more information about installment payments on Shop Pay, visit https://shoppay.affirm.com/.