Shop Pay Installments

We're proud to offer more ways to pay. Buy today and pay in 4 or more payments starting at 0% APR when you check out with Shop Pay.

How It Works

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 equal, biweekly installment payments with 0% APR, or monthly installments with no hidden or late fees.

Available payment options depend on your order amount:

• 2 biweekly interest-free payments — for orders from $35 to $50
• 4 biweekly interest-free payments — for orders from $50 to $999.99
• Monthly installments (0–36% APR) — for orders from $150 to $30,000

Your first payment is due at checkout. The remaining payments are automatically charged to your card saved on Shop Pay based on the payment plan you chose. You'll get an email reminder before each payment.

• Powered by Affirm
• No hidden fees on biweekly plans
• A down payment may be required for large orders

Frequently Asked Questions

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

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, or monthly installments with no hidden or late fees.

Who is eligible?

Shop Pay Installments is available to eligible US customers at checkout. Approval is subject to Affirm's underwriting and identity verification.

What orders qualify?

Most orders qualify. Some product types (such as gift cards and subscription products) and certain payment instruments (such as prepaid cards) are not eligible.

Which payment methods are accepted?

Debit cards are accepted as a payment method for Shop Pay Installments orders. In some cases, credit cards may also be available.

How do I use it?

At checkout, select Shop Pay and choose your installment plan. You'll see your full payment schedule before you confirm.

What if I have questions about my installment plan?

Contact Affirm directly at affirm.com/help for questions about your specific plan, payments, or account.

Disclosure

Shop Pay Installments is offered by Affirm. 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.