Financing

Buy now, pay later with Shop Pay.

When you choose Shop Pay at checkout, you can split your purchase into flexible installment payments.

  1. Add to cart

    Add the items you want to your cart.

  2. Check out with Shop Pay

    Choose Shop Pay at checkout and get a real-time decision on your eligibility.

  3. Choose installments

    Choose the option to pay in installments and split your purchase into easy bi-weekly or monthly payments.

  4. Pay over time

    Your first payment is due at checkout. The rest are charged automatically to the card saved on Shop Pay, with an email reminder before each one.

Quick decision, easy payments, no late or hidden fees.

Questions

Shop Pay Installments, answered.

Payments, limits, refunds, gift cards and paying in store.

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When you check out with Shop Pay, you can pay now or later. Paying in installments splits your purchase into four equal, bi-weekly payments with 0% APR, or monthly installments, with no hidden or late fees.

For orders without interest, debit and credit cards are accepted through Shop Pay. For orders with interest, you can only pay with a debit card.

Shop Pay Installments is only available to customers with a United States billing address and a United States mobile phone number.

Yes. The order value limit for Shop Pay Installments is $17,500, including discounts, shipping and taxes.

Yes, we offer Shop Pay Installments at our retail locations.

No. An application for Shop Pay Installments can only begin with a live checkout. Applying in store takes a few steps and you get a real-time decision in minutes.

No. To buy gift cards along with products that qualify for Shop Pay Installments, place two separate orders.

There are no late fees if you miss a scheduled payment. However, partial or late payments might affect your credit score, or your eligibility to use Shop Pay Installments in the future. If you have questions about a missed payment, contact Affirm support.

To request a refund, contact us. Our refund policy sets whether a return is possible and how much the refund will be. Once the refund is processed, it goes back to your original payment method within 3 to 10 business days and your balance is updated.

If your refund is less than your 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 is returned to your original payment method within 3 to 10 business days.

If your order was made with interest payments, the interest you have paid is not refunded. Payments go first to accrued unpaid interest and then to the principal.

Visit shoppay.affirm.com for questions about installment payments on Shop Pay.