Shop Pay Installments - How it Works
Pay now, or pay later, it’s up to you:
1. Add items to your cart
2. Check out with Shop Pay
3. Choose to pay in 4 equal installments
Common questions about Shop Pay Installments:
Are there late fees?
No, there are no late fees if you miss a scheduled payment.
How do I select the Shop Pay Installments option?
When checking out, select Shop Pay as your payment method. If your total order is between $50 and $3000, you will see 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 and I am using 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.
Have more questions?
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.