PAYMENT OPTIONS

Installments

Shop Pay offers you the option to pay in full at checkout, or to split your purchase into regular payments with Shop Pay Installments. 

To pay with Shop Pay Installments online:

  1. Fill your cart, then choose Shop Pay at checkout.
  2. Choose to pay in installments and tap Continue.
  3. Select the installments option that best suits you.
  4. Choose a debit or credit card to use for payment, then tap Continue.
  5. Follow the steps to verify your identity—this usually takes just a few moments.
  6. If you agree to the terms, click Agree, then tap Authorize purchase.
  7. Enter the 6-digit verification code that was sent to your phone.

Payment plans

Installment options vary, and can be used on purchases between $50 USD to $17,500 USD, including discounts, shipping, and taxes. 

Pay in 4 for purchases $50 to $999

  • Interest-free payments every 2 weeks

  • No impact to your credit score

Pay monthly for purchases $150 to $17,500

  • 3, 6, or 12-month terms

  • Rates from 0-36% APR

  • No impact to your credit score to apply

Note: Minimum purchase amounts may vary by retailer.

    Eligibility requirements and credit score

    You must be over the age of 18, reside in the US, and be paying in USD to use Shop Pay Installments.

    Your credit scores aren't impacted if your purchase is split into 4 bi-weekly payments using Shop Pay Installments. If your purchase is split into monthly payments, then your payments may be reported to a credit bureau.

    Note: To use Shop Pay Installments you need a US shipping address.

    Fees or penalties

    For purchases split into 4 bi-weekly payments, there are no additional charges or interest rates applied. Purchases split into monthly payments may be subject to interest.

    You can pay your balance off early without penalty.

    There are no late fees. However, partial or late payments may affect your ability to use Shop Pay Installments in the future.

    Terms of Service

    Learn more about Affirm’s terms of service or Shop’s terms of service.

    Disclosure

    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.

    For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks. 

    Affirm is the originator and servicer of Shop Pay installments, but payments are managed in your Shop Pay account.

       



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