Financing

Buy now, pay later - you deserve it.

Choose Shop Pay at checkout to pay in full or split your purchase into 4 equal installments.

No hidden fees

No interest, eligibility check has no impact to credit and no fees if you pay in full or split your purchase into 4 equal installments.

Make the most of your budget

Automatic payments every two weeks on your debit card keeping things flexible.

How Shop Pay installments work

1. Add items to your cart.

2. Once you’re at the checkout page, click on the Shop Pay button
under Express checkout at the top of the page.

3. Choose to pay in installments.

Pay in 4 installments: Your first payment is due at the time of 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.

Pay monthly installments: Your first payment is due at the time of purchase. The next 11 remaining installments will be automatically charged to your card saved on Shop Pay monthly. And don't worry, you'll get an email reminder before each payment to keep you in the know.

For example, a $1,000 purchase can be split into 4 interest-free payments of $250 every 2 weeks or 12 monthly payments of $83.33 at 15% APR.

FAQs

Are there any minimum or maximum requirements?

Pay in full or in 4 interest-free installments for orders between $50 and $999.99 with Shop Pay or pay in 12 interest-free installments for orders between $150 and $17,500 with Shop Pay.

Does Shop Pay installments impact my credit score?

When using Shop Pay installments, there will be noimpact to your credit score since Affirm doesn't conduct a hard credit pull orreport to the credit bureaus. However, late payments and non-payments mayaffect your ability to pay with Shop Pay installments in the future.

What is the option to pay in Shop Pay installments?

When checking out with Shop Pay, you now have the optionto pay now or later. Paying in installments on Shop Pay allows you to splityour purchase amount into 4 equal, biweekly installment payments or monthlyinstallments up to 12 months—with 0% interest, no hidden or late fees, and noimpact on your credit score.

It’s asking for a payment method at checkout. When is my first payment due?

Your first payment is due when you make your purchase.

How to I manage my payments for Shop Pay installments?

You can log in to ShopPay to view yourorder history and payment status for orders that are paid in installments withShop Pay.

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

The installments option on Shop Pay is available on allmajor debit and credit cards.

Are there late fees?

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

What happens if I pay with Shop Pay installments and then return items or cancel my order?

If we process a refund, the refunded amount will bereturned to your original payment method within 3-10 business days, and yourbalance will be updated.

If your refund isless than your total purchase balance, it might not lower your next payment.Instead, you can expect fewer payments, a smaller final payment, or both. Ifyour refund is more than your purchase balance, the difference will be returnedto your original payment method within 3-10 business days.