Financing

Buy now, pay later with Shop Pay

When you choose Shop Pay at checkout, you can split your purchase into 4 equal, 0% APR interest installment payments - with no additional, hidden, or late fees.*

Quick approval, easy payments, no hidden fees

• Get a real-time decision 
• Split your purchase into 4 easy payments
• 0% APR interest payments with no surprises

FAQ

Are there late fees?

No, there are no late fees if you miss a scheduled payment. 

 

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 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.

 

What if I make a return on a purchase made through Installments with Shop Pay?

If your refund amount is less than the amount remaining on your Shop Pay Installments balance, then you can expect one or both of the following:

• A smaller payment balance on the final payment.
• Less future payments on the remaining loan balance.

If your refund amount is more than the amount remaining on your Shop Pay Installments balance, then you can expect to receive the difference as a refund to your original debit card or credit card payment method within 3 to 10 business days.

 

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.

 

 

*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.