Shop Pay

Buy now, pay later with Shop Pay Installments

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 Icon

Quick Decision

Get a real-time decision on your eligibility.

Easy Payments Icon

Easy Payments

Split your purchase into easy bi-weekly or monthly payments.

No Surprises Icon

No surprises

No late or hidden fees.

Shop Pay Installments

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

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 I use Shop Pay Installments if I'm an international customer?

Shop Pay Installments is only available to customers with a United States billing address and a United States mobile phone number. Customers with international billing addresses or phone numbers can't use Shop Pay Installments.

Is there a limit to how much I can spend on a single Shop Pay Installments order?

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

Can I buy gift cards with Shop Pay Installments?

You can't purchase gift cards using Shop Pay Installments. If you want to purchase gift cards along with Shop Pay Installments eligible products, then you need to place two separate orders.

Made to Order Items, Pre-Orders, Backordered Items, and/or Special Orders:

If you finance your purchase with Affirm, your first payment is due approximately two weeks after your purchase is finalized. Please note that due to extended delivery times (for pre-ordered items, special order items, backordered items, and/or shipping and processing delays, etc), your loan payment(s) may be due before you receive your purchase.

Are there late fees?

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

What if I miss an installment payment?

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 you can contact Affirm support for assistance.

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

To request a refund, contact the store where you purchased your item. Using their return policy, the store will advise if a return is possible. If a return is possible, then the store will advise how much the refunded amount will be. After your refund is processed, the refund amount will be applied to your original payment method within 3-10 business days and your balance will be updated.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 refund is more than your purchase balance, then the difference is returned to your original payment method within 3-10 business days.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.

Have more questions?

For questions about installment payments on Shop Pay, visit https://shoppay.affirm.com/.

Disclosure

*Rates from 0% APR 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.

CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license.

Learn More