Introducing buy now, pay later with Shop Pay

How it works

1. Add items to your cart.
2. Check out with Shop Pay.
3. Choose to pay in 4 installments.

Your first payment will either be due at checkout or 2 weeks after your purchase. The next 3 remaining installments will be automatically charged to your card saved on Shop Pay every 2 weeks. And don't worry, you'll get an email reminder before each payment to keep you in the know.

Quick Approval

Get a real-time decision

Easy Payments

Split your purchase into 4 easy payments.

No Hidden Fees

0% APR interest with no surprises.

FAQ'S

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 and no hidden or late fees. In some instances, your first payment is due when you make your purchase; otherwise, your first payment is due 2 weeks after your purchase.

Are there late fees?

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

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

If we process a refund, the refunded amount will be returned to your original payment method within 3-10 business days, and your balance will be updated.
If your refund is less than your total purchase balance, it might not lower your next payment. Instead, you can expect fewer payments, a smaller final payment, or both.

Will using Shop Pay impact my credit score?

No, if you choose to pay in installments through Shop Pay, there will be no impact to your credit score. For Shop Pay installments, Affirm will not report to credit bureaus.

Which payment methods are accepted if I use Shop Pay?

The installments option on Shop Pay is available on debit and credit cards.

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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.