Shop Pay offers you the option to pay in full at checkout, or to split your purchase into regular payments with Shop Pay Installments. Installment options vary by store and can be used on orders over $50 USD, including discounts, shipping, and taxes.
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Flexible Payments!
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There are no late fees
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.
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.
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.
To use Shop Pay Installments, your shipping address needs to be in the United States.
There are some items that you can’t use Shop Pay Installments to purchase, including, but not limited to:
Learn more about Affirm’s terms of service or Shop’s terms of service.
Affirm is the originator and servicer of Shop Pay installments, but payments are managed in your Shop Pay account.
No, there are no late fees if you miss a scheduled payment.
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 flexible installment payments.* Your first payment is due when you make your purchase.
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:
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 payment method within 3 to 10 business days.
If you paid for an order in monthly payments, then you won't be refunded the paid interest. Interest is the cost of borrowing, and isn't refundable.
The installments option on Shop Pay is available on debit and credit cards. Capital One cards aren't accepted. If you choose a monthly payment option, then you can only pay with a debit card.
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 [affirm.com/licenses].
If you finance your purchase with Affirm, your first payment is due approximately two weeks after your purchase is finalized. Please note that due to extended delivery times, your loan payment(s) may be due before you receive your purchase.
We'll occasionally send you some discounts or hot sales! Or inform you about newly released products.
