Buy Now, Pay Later

How It Works

1. Add items to your cart.
2. Check out with Shop Pay.
3. Choose your payment plan.

Split your purchase into 4 bi-weekly payments (0% APR) or choose monthly installments (0-36% APR based on credit). Your first payment may be due at checkout or within 2 weeks. You'll get email reminders before each payment to keep you in the know.

Quick Approval

Get a real-time decision.

Easy Payments

Split your purchase into 4 easy payments.

No Hidden Fees

0% APR on
4-payment plans.
Monthly plans: 0-36% APR based on credit.

What’s more—when you check out with Shop Pay, the delivery emissions from your order are automatically offset for free.

FAQ

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. Shop Pay Installments offers two payment options:

4 bi-weekly payments at 0% APR (interest-free, no impact on credit score)
Monthly installments at 0-36% APR (interest may apply, may be reported to credit bureaus)

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

Which payment methods are accepted if I use the option to payin installments on Shop Pay?

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

Will using Shop Pay impact my credit score?

It depends on the payment plan you choose:

4 bi-weekly payments: No impact to your credit score. Affirm does not report these to credit bureaus.
Monthly payment plans: May impact your credit score. Monthly payments may be reported to credit bureaus.

Are there late fees?

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

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

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.

Have more questions?

For questions about installment payments on Shop Pay, visit shoppay.affirm.com/help/.

For questions about Shop Pay or the Shop App, visit shop.app/help/shop-pay.

Disclosure Information

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: https://www.affirm.com/licenses

For example, an $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.

California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681.