Buy Now, Pay Later with

Question 1

What is the option to pay in installments on Shop Pay?

Answer

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 four equal, biweekly installment payments with 0% APR (United States and Canada), or monthly installments with no hidden or late fees (United States, Canada, and United Kingdom).

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: affirm.com/licenses.

Question 2

Which payment methods are accepted if I use the option to pay in installments on Shop Pay?

Answer

Debit cards are accepted as a payment method for Shop Pay Installments orders in all countries. In some countries, credit cards might also be an available payment method for certain Shop Pay Installments orders.

Question 3

Can I use Shop Pay Installments if I'm an international customer?

Answer

Shop Pay Installments is available only to customers who reside in the United States, that have a United States mobile phone number, and use a payment card with a United States billing address.

Learn more about eligibility criteria for customers on the Shop Help Center.

Question 4

Is there a limit to how much I can spend on a single Shop Pay Installments order?

Answer

Yes. $30,000 USD is the order value limit that applies to purchases using Shop Pay Installments, including discounts, shipping, and taxes.

Question 5

Can I pre-qualify for a purchase amount before visiting the store?

Answer

No. An application for Shop Pay Installments can only begin with a live checkout. Applying in store only takes a few steps and you’ll get a real-time decision in minutes.

Question 6

Can I buy gift cards with Shop Pay Installments?

Answer

You can't purchase gift cards using Shop Pay Installments. If you want to purchase gift cards along with Shop Pay Installments eligible products, then you need to place two separate orders.

Question 7

Are there late fees?

Answer

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

Question 8

What if I miss an installment payment?

Answer

There are no late fees for customers who miss a scheduled payment. However, partial payments or late payments might impact your credit score, or your eligibility to use Shop Pay Installments in the future.

If you have questions about a missed installment payment, then visit Affirm’s Shop Pay Installments Help Center for customers in the United States.

Question 9

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

Answer

To request a refund, contact the store where you purchased your item. Using their return policy, the store will advise if a return is possible. If a return is possible, then the store will advise how much the refunded amount will be. After your refund is processed, the refund amount will be applied 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, then 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, then the difference is returned to your original payment method within 3-10 business days.

If your order is made with interest payments, then the paid interest isn't refunded. When you make payments, the funds are first applied to the accrued unpaid interest and then to the principal. Interest is the cost of borrowing, and isn't refundable.

Question 10

Have more questions?

Answer

For more information about Shop Pay Installments, visit Affirm’s Shop Pay Installments Help Center for customers in the United States.

Buy Now, Pay Later with

How it works

Add items to your cart.

Check out with Shop Pay.

Choose the option to pay in installments.

Quick decision, flexible payments, no late fees

Quick decision

Easy payments

No surprises

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