Buy now, pay later with Shop Pay

Now, when you choose Shop Pay at checkout, you can split your purchase into into flexible payments*

How it works:

  1. Add items to your cart.
  2. Check out with Shop Pay.
  3. Choose to pay in 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.

  • 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. Paying in installments on Shop Pay allows you to split your purchase amount into 4 equal, biweekly installment payments- with 0% APR interest, no hidden or late fees, and 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.

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

The installment options on Shop Pay are available on debit or credit cards.

  • 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 shop.affirm.com/help

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

    *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. Options depend on your purchase amount, and a down payment may be required. State notices to consumers https://www.affirm.com/licenses.