Shop Pay Installment Plan Details

How it works
  • Add items to your cart.
  • Check out with Shop Pay.  Look for the button on the cart page.
  • Choose the option to pay in installments.
    Your first payment is due at checkout. The remaining payments are automatically charged to your card saved on Shop Pay based on the payment plan you chose. Don't worry, you'll get an email reminder before each payment to remind you.
    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 four equal, biweekly installment payments with 0% APR, or monthly installments with no hidden or late fees*.
    *Rates from 0% APR 10-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required. 
    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.
    Can I use Shop Pay Installments if I'm an international customer?
    Shop Pay Installments is only available to customers with a United States billing address and phone number. Customers with international billing addresses and phone numbers can't use Shop Pay Installments.
    Is there a limit to how much I can spend on a single Shop Pay Installments order?
    Yes, 17,500 USD is the order value limit that applies to purchases using Shop Pay Installments, including discounts, shipping, and taxes.
    Are there late fees?
    No, there are no late fees if you miss a scheduled payment.
    What if I miss an installment payment?
    There are no late fees for customers who miss a scheduled payment. However, partial payments or late payments might impact your credit score, or your eligibility to use Shop Pay Installments in the future. If you have questions about a missed installment payment, then you can contact Affirm support for assistance.