Buy Now, Pay Later With Shop Pay!
When you choose Shop Pay at checkout, you can split your purchase into 4 equal payments, 0% interest, with no hidden or late fees.
How it works
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Fill your cart, then choose Shop Pay at checkout.
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Choose to pay in installments and tap Continue.
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Select the installments option that best suits you.
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Choose a debit or credit card to use for payment, then tap Continue.
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Follow the steps to verify your identity—this usually takes just a few moments.
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If you agree to the terms, click Agree, then tap Authorize purchase.
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Enter the 6-digit verification code that was sent to your phone.
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Payment plans
Purchases between $50 USD to $1000 USD are eligible for Shop Pay Installments.
Are there late fees or penalties?
For purchases split into 4 bi-weekly payments, there are no additional charges or interest rates applied. You can pay your balance off early without penalty. There are no late fees. However, partial or late payments may affect your ability to use Shop Pay Installments in the future.
Eligibility requirements and credit score
You must be over the age of 18, reside in the US, and be paying in USD to use Shop Pay Installments. To use Shop Pay Installments you need a US shipping address.
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.
Which payment methods are accepted if I use the option to pay Installments on Shop Pay?
The installments option on Shop Pay is available on debit and credit cards.
Which payment methods are accepted if I use the option to pay Installments on Shop Pay?
The installments option on Shop Pay is available on debit and credit cards.
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.