Shop Pay

Buy now, pay later with Shop Pay

When you choose Shop Pay at checkout, you can split your purchase into 4 equal, installment payments - checking eligibility has no impact to credit and there are no additional, hidden, or late fees.*

How it works

Add items to your cart. Check out with Shop Pay. Choose to pay in 4 installments. Your first payment is either due at checkout or 2 weeks after your purchase. The next 3 remaining installments are automatically charged to your card saved on Shop Pay every 2 weeks. Don't worry, you'll get an email reminder before each payment to remind you.

FAQ

Are there late fees?

No, there are no late fees if you miss a scheduled payment.

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. Checking eligibility has no impact to credit. Paying in installments on Shop Pay allows you to split your purchase amount into 4 equal, biweekly installment payments with no hidden or late fees.* In some instances, your first payment is due when you make your purchase; otherwise, your first payment is due 2 weeks after your purchase.

What if I make a return on a purchase made through Installments with Shop Pay?

If your refund amount is less than the amount remaining on your Shop Pay Installments balance, then you can expect one or both of the following:

• A smaller payment balance on the final payment
• Less future payments on the remaining loan balance

If your refund amount is more than the amount remaining on your Shop Pay Installments balance, then you can expect to receive the difference as a refund to your original debit card or credit card payment method within 3 to 10 business days.

Which payment methods are accepted if I use the option to pay Installments on Shop Pay?

The installments option on Shop Pay is available on debit and credit cards.

Have more questions?

• For questions about installment payments on Shop Pay, visit shop.affirm.com/help.
• For questions about Shop Pay or the Shop App, visit shop.app/help/shop-pay. 

*Rates from 0% APR or 10-36% 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.