Shop now and pay later!
We are absolutely thrilled to announce that we offer Shop Pay Installments! This means that you can now enjoy the products you love without worrying about the cost upfront. How amazing is that?! We can't wait to see you take advantage of this exciting new feature and get your hands on some awesome products today!
Shop Pay Installments
Shop Pay offers you the option to pay in full at checkout, or to split your purchase into regular payments with Shop Pay Installments. Installment options can be used on orders over $50 USD, including discounts, shipping, and taxes.
Payment plans
Purchases between $50 USD to $17,500 USD are eligible for Shop Pay Installments, with options to:
Pay in 4 for purchases $50 to $999
- Interest-free payments every 2 weeks
- No impact to your credit score
Pay monthly for purchases $150 to $17,500
- 3, 6, or 12-month terms
- Rates from 0-36% APR*
- No impact to your credit score to apply
Eligibility requirements and credit score
You must be over the age of 18, reside in the US, and be paying in USD to use Shop Pay Installments.
Your credit scores aren't impacted if your purchase is split into 4 bi-weekly payments using Shop Pay Installments. If your purchase is split into monthly payments, then your payments may be reported to a credit bureau.
Note: To use Shop Pay Installments you need a US shipping address.
When choosing Shop Pay Installments, the following limitations apply:
- You can't pay for an order if the order includes currency in any form, including virtual and digital currency, like gift cards.
- Orders need to be between 50 USD and 17,500 USD, including shipping and taxes.
- If you change your Shop Pay phone number, then you also need to update your phone number with Affirm before you can pay for another purchase using Shop Pay Installments.
- Shop Pay Installments doesn't accept Capital One cards, prepaid debit cards, or prepaid credit cards.
- If you split your order into four bi-weekly payments, then you can pay with a credit card or debit card.
- If you pay for your order in monthly payments, then you can only pay with a debit card.
To use Shop Pay Installments, you need to have a United States billing address, and be signed up for Shop Pay. For physical products that require shipping, a US shipping address must be provided. If your cart only has digital products, then a US shipping address isn't required.
Fees or penalties
For purchases split into 4 bi-weekly payments, there are no additional charges or interest rates applied. Purchases split into monthly payments may be subject to interest.
You can pay your balance off early without penalty.
There are no late fees. However, partial or late payments may affect your ability to use Shop Pay Installments in the future.
Terms of Service
Learn more about Affirm’s terms of service or Shop’s terms of service.
Disclosure
*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.
For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks.