Shop Pay Installments FAQ
When you choose Shop Pay at checkout, you can split your purchase into 4 equal, 0% interest installment payments - with no additional, hidden, or late fees.*
How it works
- Add items to your cart (or shopping bag).
- Check out with Shop Pay.
- Choose to pay in 4 installments.
Your first payment is either due at checkout or 2 weeks after your purchase. The next 3 remaining installments are automatically charged to your card saved on Shop Pay every 2 weeks. Don't worry, you'll get an email reminder before each payment to remind you.
Buy now, pay later with Shop Pay
Are there late fees?
No, there are no late fees if you miss a scheduled payment.
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.
*Payment options are offered by Affirm and are subject to eligibility check and might 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.
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.
Can I buy gifts cards with Shop Pay Installments?
No. Shop Pay Installments can not be used for gift card purchases.
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.