Introducing buy now, pay later with Shop Pay
Shop Pay allows you to split your purchase amount into 4 equal, biweekly installment payments—with 0% interest, no hidden or late fees, and no impact on your credit score.*
How it works
- Add items to your cart.
- Check out with Shop Pay.
- Choose to pay in 4 installments.
Your first payment is either due at checkout or 2 weeks after your purchase. The next 3 remaining installments are automatically charged to your card saved on Shop Pay every 2 weeks. Don't worry, you'll get an email notice before each payment to remind you.
Buy now, pay later with Shop Pay
When you choose Shop Pay at checkout, you can split your purchase into 4 equal, 0% interest installment payments - with no additional, hidden, or late fees.*
What’s more—when you check out with Shop Pay, the delivery emissions from your order are automatically offset for free.
Shop Pay Installments FAQ
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% interest, no hidden or late fees, and no impact on 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.
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.
The installments option on Shop Pay is available on debit and credit cards.
No, there are no late fees if you miss a scheduled payment.
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.
If your refund is more than your purchase balance, the difference will be returned to your original payment method within 3-10 business days.
*Payment options are offered by Affirm and are subject to eligibility check and may not be available in all states. California residents: Affirm Loan Services, LLC is licensed by the Department of Business Oversight. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681.