Shop Pay Installments

> How it works

  1. Add items to your cart (or shopping bag)
  2. Check out with Shop Pay
  3. Shop now, pay in flexible payments

Your first payment is due at checkout. The remaining payments are automatically charged to your card saved on Shop Pay based on the payment plan you chose. Don't worry, you'll get an email reminder before each payment to remind you.


> 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?

Shop Pay gives you the option to pay in full at checkout, or to pay for your order over time. When available, Shop Pay Installments is a great option to help you maximize your budget for orders between 50 USD and 17,500 USD.
 
Depending on your purchase amount, there are two ways that you can pay for your order in installments. 
  • For orders between 50 USD to 999.99 USD, you can split your purchase into four bi-weekly, interest-free installment payments. There are no additional charges, interest rates, or late fees for this option, and your credit score isn't affected.
  • For orders between 150 USD to 17,500 USD, you can split your purchase into monthly installment payments. While there are no late fees for monthly installment payments, your order is subject to interest fees. Your credit score isn't affected when you apply, but it can change if you don't make your payments on time.

After you make your first payment at checkout, you'll be charged either biweekly or monthly, depending on the installment payment option you chose. You'll be reminded by email and SMS text (if applicable) before each payment is charged to your card. You can also turn on push notifications in the Shop app to be reminded. However, you can't customize your payment schedule. 

Shop Pay Installments is powered and serviced by Affirm and is only available in some stores.

** Monthly Installments : 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](http://affirm.com/lenders). Options depend on your purchase amount, and a down payment may be required. State notices to consumers [affirm.com/licenses](http://www.affirm.com/licenses).
** The estimated payment amount excludes taxes and shipping. 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.

 

>What if I make a return on a purchase made through Installments with Shop Pay?

If your refund amount is less than the amount remaining on your Shop Pay Installments balance, then you can expect one or both of the following:

  • A smaller payment balance on the final payment.
  • Less future payments on the remaining loan balance.

If your refund amount is more than the amount remaining on your Shop Pay Installments balance, then you can expect to receive the difference as a refund to your original payment method within 3 to 10 business days.

** If you checkout with monthly payments, and you request a refund on an order that you paid interest on, you won't be refunded the paid interest. Since interest is the only cost of borrowing with Affirm, it isn't refundable.

> 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 cards.

> Have more questions?

  • For questions about installment payments on Shop Pay, visit https://shoppay.affirm.com
  • For questions about Shop Pay or the Shop App, visit https://help.shop.app