Get It Now, Pay Later

During the checkout process, simply select Shop Pay when selecting your payment method. From there, you can select the installment plan that best suits your needs.

Shop Pay Installments allow you to divide your total purchase amount into four bi-weekly payments with 0% APR, or choose monthly payments with APR rates from 0-36%, based on your eligibility and purchase amount.

Rates range from 0-36% APR, depending on eligibility and the lending partners. Options are subject to an eligibility check, and a down payment may be required.

Yes, your first payment is due at checkout when you choose to pay in installments using Shop Pay. This initial payment will be a portion of your total purchase amount, with the remaining payments scheduled according to your chosen installment plan.

For 0% APR plans, both debit and credit cards are accepted.

For plans with interest, only debit card payments are allowed.

No, the application for Shop Pay Installments can only begin during checkout.

No, Shop Pay Installments is only available to customers with a United States billing address and mobile phone number.

Yes, the order value limit for Shop Pay Installments is $20,000 USD.

No, gift cards cannot be purchased using Shop Pay Installments.

If you have questions about a missed installment payment, then you can contact Affirm support for assistance. Missed payments might impact your credit score or future eligibility for Shop Pay Installments.

If you need to return a purchase made through installments with Shop Pay, you'll first need to reach out to the retailer where you made the purchase to initiate the return process, adhering to their specific return policy. Once the return is accepted and processed by the store, the refund amount will be credited back to your original payment method within a timeframe of 3-10 business days, and your Shop Pay installment balance will be adjusted accordingly.

In cases where the refund amount is less than your total outstanding balance, it may not reduce the amount of your next scheduled payment. Instead, it could result in fewer remaining payments, a reduced amount for the final payment, or a combination of both.

If the refund amount exceeds your total purchase balance, the excess will be returned to your original payment method, also within 3-10 business days.

It's important to note that if your purchase was made with an interest-bearing installment plan, any interest that has already been paid as part of your installment payments will not be refunded. This is because interest payments are considered the cost of borrowing and are non-refundable. Payments made towards your installment plan first cover any accrued interest before being applied to the principal amount of your purchase.