Is there a financing or installment plan available?Updated 3 months ago
Shop Pay Installments
We are pleased to offer Shop Pay Installments as a flexible payment option.
Make your order more manageable — split your purchase into easy payments at checkout with Shop Pay.
How it works
Add items to your cart and proceed to checkout.
Choose Shop Pay and select Installments.
Get a quick eligibility check and choose a payment plan.
Pay the first installment today, then the rest automatically.
Frequently Asked Questions
What is the option to pay in installments on Shop Pay?
When checking out with Shop Pay, you can choose to pay now or pay later. Paying in installments allows you to split your purchase into four equal, biweekly payments with 0% APR, or monthly installments with no hidden or late fees (eligibility varies).
Which payment methods are accepted?
Debit cards are accepted for all Shop Pay Installments orders. In some cases, credit cards may also be accepted depending on your order.
Who is eligible to use Shop Pay Installments?
Shop Pay Installments is available only to customers who:
Reside in the United States
Have a US mobile phone number
Use a payment card with a US billing address
Is there a spending limit?
Yes. The maximum order value is $30,000 USD, including discounts, shipping, and taxes.
Can I purchase gift cards with Shop Pay Installments?
No. Gift cards cannot be purchased with Shop Pay Installments. If you’d like both gift cards and eligible products, you’ll need to place two separate orders.
Are there late fees?
No, there are no late fees if you miss a payment.
What happens if I miss a payment?
There are no late fees. However, missed or partial payments may affect your credit score or your eligibility to use Shop Pay Installments in the future. For help with a missed payment, visit Affirm’s Shop Pay Installments Help Center.
What happens if I return an order purchased with Shop Pay Installments?
Contact us to request a return.
If eligible, refunds are applied to your original payment method within 3–10 business days.
Your installment plan is updated accordingly.
If the refund is less than your balance, you’ll see fewer or smaller payments.
If the refund is more than your balance, the extra is returned to your payment method.
Interest paid (if applicable) is not refunded, as it represents the cost of borrowing.
Still have questions?
For more details, visit Affirm’s Shop Pay Installments Help Center.
Disclosure
Rates from 0% APR or 10–36% APR. Payment options through Shop Pay Installments are subject to eligibility and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. Estimated payment amounts exclude taxes and shipping. For purchases under $50, limited payment options are available. Visit affirm.com/help for more information.