Buy Now, Pay Later With Shop Pay
Now, when you choose Shop Pay at checkout, you can split your purchase into 4 equal, 0% interest instalment payments - with no additional, hidden or late fees.
HOW IT WORKS: Your first payment will either be due at checkout or 2 weeks after your purchase. The next 3 remaining instalments will be automatically charged to your card saved on Shop Pay every 2 weeks. And don’t worry, you’ll get an email reminder before each payment to keep you in the know.
Frequently Asked Questions
Where is the option to pay in instalments on Shop Pay?
When checking out with Shop Pay, you now have the option to pay now or later. Paying in instalments on Shop Pay allows you to split your purchase amount into 4 equal, biweekly instalment 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.
Which payment methods are accepted if I use the option to pay in instalments on Shop Pay?
The instalments option on Shop Pay is available on debit and credit cards.
Are there late fees?
No, there are no late fees if you miss a scheduled payment.
What if I make a return?
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.
HAVE MORE QUESTIONS?
For questions about instalment payments on Shop Pay, visit shop.affirm.com/help.
For questions about Shop Pay or the Shop App, visit shop.app/help/shop-pay.
*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.