Choose How You Pay at Your Own Pace

When inspiration strikes, we can help you say yes without giving up financial control. Select Shop Pay Installments at checkout to pay over time—and never pay a penny more than you agree to on day one.

Just select at checkout.

Buying with Shop Pay Installments

Choose payment plans from 8 weeks up to 36 months

Express checkout buttons with PayPal, Apple Pay, and Google Pay logos

1. Fill Your Cart

Select Shop Pay at checkout, create or login to your Shop account, then enter a few pieces of info for a real-time decision.

Payment option selection screen with 'Pay now' and 'Pay in installments' options.

Choose How You Pay

Select the "Pay in installments" option to explore payment plans available. Please note that checking your eligibility will not impact your credit. Once payment plan terms are accepted, your payments may be reported to a credit bureau.

Payment plan options

Pay Over Time

Pick the payment plan you like best—from 4 interest-free payments every 2 weeks to monthly payments up to 36 months. You’ll never pay more than you agree to up front. See footer for details.

Buy with confidence

With Shop Pay Installments, you always know exactly what you'll owe and when you'll be done paying.

Transparent

Shop Pay tells you up front the total amount you'll pay. That number will never go up.

Flexible

You choose the payment plan that works for you. Our smart checkout gives you options.

Simple

Shop Pay won’t charge you late fees or penalties of any kind.

*Rates from 0-36% 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.

Frequently Asked Questions

What is the option to pay in installments on Shop Pay?

When checking out with Shop Pay, you have the option to pay now or later. Paying in installments on Shop Pay allows you to split your purchase amount into four equal, biweekly installment payments with 0% APR, or monthly installments with no hidden or late fees.
Does checking my eligibility affect my credit score?

No—checking your eligibility will not impact your credit. Once payment plan terms are accepted, your payments may be reported to a credit bureau.
How do I make my payments?

You can pay with your debit card or credit card for all Shop Pay Installments purchases on the Shop app, affirm.com or in the Affirm app.
Can I pay off my purchase early?

Yes! There’s no penalty for paying early.
What if I make a return on a purchase made through installments with Shop Pay?

You can submit your return here. 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 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 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.
Is there a limit to how much I can spend on a single Shop Pay Installments order?

Yes. In the United States, $30,000 USD is the order value limit that applies to purchases using Shop Pay Installments, including discounts, shipping, and taxes.
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 visit Affirm’s Shop Pay Installments Help Center for customers in the United States.
Have more questions?

For more information about Shop Pay Installments, visit Affirm’s Shop Pay Installments Help Center for customers in the United States.