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Introducing buy now, pay later with Shop Pay
Shop Pay allows you to split your purchase amount into 4 equal, bi-weekly installment payments - with 0% APR interest, no hidden or late fees, and the eligibility check has no impact to your credit score.*
How it works
- Add items to your cart.
- From the Cart or Checkout page, choose Shop Pay to checkout.
- 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% APR interest installment payments - with no additional, hidden, or late fees.*
What’s more - when you check out with Shop Pay, Shopify pledges to offset the carbon emissions related to delivering your order, helping the environment.
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.
Frequently Asked Questions
When checking out with Shop Pay, you have the option to pay now or later. Paying in installments on Shop Pay allows you to split your purchase amount into 4 equal, bi-weekly 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.
The eligibility check will have 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.
You can manage all of these settings through the Shop portal here.
If you have more questions about how Shop Pay works, they have a great article about it here.
For questions about installment payments on Shop Pay, visit shop.affirm.com/help. For questions about Shop Pay or the Shop App, visit shop.app/help/shop-pay.
*Rates from 0%-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.
