Introducing Buy Now, Pay Later with Shop PayUpdated a year ago
Split your purchase into 4 easy payments—with no hidden fees, no surprises!*
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.
Get a real-time decision
Split your purchase into 4 easy payments.
No hidden fees
0% interest payments with no surprises.
What’s more—when you check out with Shop Pay, the delivery emissions from your order are automatically offset for free.
Shop Pay Installments 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. Paying in installments on Shop Pay allows you to split your purchase amount into 4 equal, biweekly installment payments—with 0% interest, no hidden or late fees, and no impact on your credit score.* In some instances, your first payment is due when you make your purchase; otherwise, your first payment is due 2 weeks after your purchase.
Will using the installments feature on Shop Pay impact my credit score?
No, if you choose to pay in installments through Shop Pay, there will be no impact to your credit score. For Shop Pay installments, Affirm will not report to credit bureaus.
Which payment methods are accepted if I use the option to pay in installments on Shop Pay?
The installments option on Shop Pay is available on debit and 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.
How can I manage my Shop Pay account or change payment methods and addresses?
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.
I have more questions!
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.
*Payment options are offered by Affirm and are subject to eligibility check and may not be available in all states. California residents: Affirm Loan Services, LLC is licensed by the Department of Business Oversight. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681.