Shop Pay offers you the option to pay in full at checkout, or to split your purchase into 4 equal installment payments. You can't adjust the number of installment payments or the price range available for Shop Pay Installments.
You have the option to pay for orders between $50 and $3,000 USD, including discounts, shipping and taxes, in 4 installments. To use Shop Pay Installments, your shipping address needs to be in the United States.
To Use Installments/Shop Pay
To use, click the purple SHOP PAY button in the shopping cart at the time of checkout. You'll need to sign up for Shop Pay if you don't already have it and provide additional information before you can use installments.
Your first payment will either be due at checkout or 2 weeks after your purchase. The next 3 remaining installments will be automatically charged to your card saved on Shop Pay every 2 weeks. And don’t worry, you’ll get an email reminder before each payment to keep you in the know.
Fees or penalties
There are no additional charges, interest rates, or late fees. You can pay your balance off early without penalty. However, if you make a partial payment or late payment, then future applications to use Shop Pay Installments might be affected.
Credit scores and eligibility
Checking eligibility has no impact to credit. However, if you don’t pay an installment, or you make a late payment, then your eligibility for making purchases using Shop Pay Installments in the future might be affected.
Terms of Service
Learn more about Affirm’s terms of service or Shop’s terms of service.
Affirm is the originator and servicer of Shop Pay installments, but payments are managed in your Shop Pay account and are subject to eligibility check and may not be available in all states.
Affirm Loan Services, LLC is licensed by the Department of Business Oversight. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681.