Introducing buy now, pay later with Shop Pay. When you choose Shop Pay at checkout, you can split your purchase into 4 equal, 0% interest installment payments - with no additional, hidden, or late fees.*
How It Works:
- Add items to your cart.
- Check out with Shop Pay as your payment method.
- 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: Frequently Asked Questions:
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. Paying in installments on Shop Pay allows you to split your purchase amount into 4 equal, biweekly installment payments—with 0% interest, no hidden or late fees, and 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.
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.
What if I order a Pre-Order product and pay in Installments on Shop Pay?
If you finance your purchase with Shop Pay in partnership with Affirm, your first payment is due approximately two weeks after your purchase is finalized. Please note that due to extended delivery times of pre-order items and items purchased with them, your loan payment(s) may be due before you receive your purchase.
Will there be an impact on my credit score or are there hidden fees?
There is no impact on your credit score, and you’ll never pay interest or late fees.*
Have more questions about Shop Pay Installments?
- 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.
*Payment options are offered by Affirm and are subject to eligibility check and might not be available in all states. California residents: Affirm Loan Services, LLC is licensed by the Department of Business Oversight. Loans are made or arranged pursuant to California Financing Law license.