Financing
How it works?
- Add items to your cart.
- Check out with Shop Pay.
- Choose to pay in 4 installments.
What is the option to pay in installments on Shop Pay?
When checking out with Shop Pay, you now have 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.
Which payment methods are accepted if I use the option to pay in installments on Shop Pay?
The installments option on Shop Pay is available on debit and credit cards.
Can I use Shop Pay Installments if I'm an international customer?
Shop Pay Installments is only available to customers with a US billing address within the US and a US mobile phone number. Customers with international billing addresses will not be able to set up an account with Shop Pay Installments.
Is there a limit to how much I can spend on a single Shop Pay Installment transaction?
Yes, $1,000 value limit can apply to purchases made on PLM site, using Shop Pay Installments, based on your credit or approval.
What products are not eligible for purchase?
Installments is not available on purchases of gift cards. If you are purchasing gift cards along with Shop Pay Installments eligible products, you will need to place two separate orders.
Are there late fees?
No, there are no late fees if you miss a scheduled payment.
What if I can’t pay an installment?
There are no late fees for customers who miss a scheduled payment and Affirm will provide full customer service to customers who use Shop Pay Installments. Please contact Affirm support at shop.affirm.com/help for additional assistance.
What if I make a return on a purchase made through installments with Shop Pay?
If we process a refund, the refunded amount will be returned to your original payment method within 3-10 business days, and your balance will be updated.
If your refund is less than your total purchase balance, it might not lower your next payment. Instead, you can expect fewer payments, a smaller final payment, or both.
If your refund is more than your purchase balance, the difference will be returned to your original payment method within 3-10 business days.
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.
Rates from 0% APR or 10-36% 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."
Payment options are offered by Affirm and are subject to eligibility check and may not be available in all states. California residents: 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.