Choose How You Pay at Your Own Pace

When inspiration strikes, Shop Pay Installments helps you say yes without giving up financial control. Select Shop Pay at checkout to pay over time—and never pay a penny more than you agree to on day one.

Just select

ShopPay

at checkout.

Buying with Shop Pay Installments

Choose payment plans from 6 weeks to 24 months*

1. FILL YOUR CART

Express checkout buttons with PayPal, Apple Pay, and Google Pay logos

Select Shop Pay Installments at checkout, then enter a few pieces of info for a real-time decision.

2. CHOOSE HOW YOU PAY

Payment option selection screen with 'Pay now' and 'Pay in installments' options.

Select the "Pay in installments" option to explore payment plans available. Please note that checking your eligibility will not impact your credit. Once payment plan terms are accepted, your payments may be reported to a credit bureau.

3. PAY OVER TIME

Payment plan options for different amounts and timeframes

Pick the payment plan you like best—from 4 interest-free payments every 2 weeks to monthly payments up to 24 months. You’ll never pay more than you agree to up front. See footer for details.

Buy with Confidence

With Shop Pay Installments, you always know exactly what you'll owe and when you'll be done paying.

TRANSPARENT

Shop Pay tells you up front the total amount you'll pay. That number will never go up.

FLEXIBLE

You choose the payment plan that works for you. Our smart checkout gives you options.

FAIR

Shop Pay won’t charge you late fees or penalties of any kind.

*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.

Frequently Asked Questions

  • When checking out with Shop Pay, you 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.

  • Checking eligibility will not impact credit. If you decide to pay with installments through Affirm, your payments may be reported to a credit bureau.

  • You can pay with your debit card or credit card for all Shop Pay Installments purchases on the Shop app, affirm.com or in the Affirm app.

  • Yes! There's no penalty for paying early.

  • You can submit your return here. If your refund is more than your purchase balance, then the difference is returned to your original payment method within 3-10 business days. If your refund is less than your total purchase balance, then it might not lower your next payment. Instead, you can expect fewer payments, a smaller final payment, or both.

    If your order is made with interest payments, then the paid interest isn't refunded. When you make payments, the funds are first applied to the accrued unpaid interest and then to the principal. Interest is the cost of borrowing, and isn't refundable.

  • 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 visit Affirm’s Shop Pay Installments Help Center for customers in the United States.

  • Yes. In the United States, $30,000 USD is the order value limit that applies to purchases using Shop Pay Installments, including discounts, shipping, and taxes.

  • For more information about Shop Pay Installments, visit Affirm’s Shop Pay Installments Help Center for customers in the United States.

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