Shop Pay Installments

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% APR, no hidden or late fees. Checking eligibility has no impact to credit. 

In some instances, your first payment is due when you make your purchase; otherwise, your first payment is due 2 weeks after your purchase.

How it works:

1. Add items to your cart.

2. Check out with Shop Pay.

3. Choose to pay in 4 installments

Your first payment will either be due at checkout or 2 weeks after your purchase. The next 3 remaining installments will be automatically charged to your card saved on Shop Pay every 2 weeks. And don't worry, you'll get an email reminder before each payment to keep you in the know.

Checking eligibility to pay installments through Shop Pay has no impact to your credit score. For Shop Pay installments, Affirm will not report to credit bureaus.

The installments option on Shop Pay is available on debit and credit cards.

No, there are no late fees if you miss a scheduled payment.

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.

You can manage all of these settings through the Shop portal here.

If you have more questions about how Shop Pay works, they have a great article about it here.

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.