Shop Pay Installments FAQ

What is Shop Pay Installments?

Shop Pay offers you the option to pay in full at checkout or split your purchase into regular payments. Installment options vary and can be used on orders over $50 USD, including discounts, shipping, and taxes.

 

How to Pay Using Shop Pay Installments?

It's easy! Just follow these steps:

  1. During check-out, click the purple Shop Pay button at the top of the screen.
  2. Log-in if prompted.
  3. Review your installment options in the Payment Option section.
  4. If you like your installment options, click Continue to Payment Plans, and complete your purchase.
  5. Otherwise, click the Pay Now option, enter your credit card info, and complete your purchase.

Fees or Penalties

For purchases split into 4 bi-weekly payments, there are no additional charges or interest rates applied. Purchases split into monthly payments may be subject to interest.

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.

 

Credit Scores & Eligibility

Your credit scores aren't impacted if your purchase is split into 4 bi-weekly payments using Shop Pay Installments. If your purchase is split into monthly payments, then your payments may be reported to a credit bureau.
 

Have More Questions?

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