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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, biweekly installment payments—with APR 0% interest, no hidden or late fees, checking eligibility has no impact on your credit.



1.  Add items to your shopping bag
2.  Check out with Shop Pay
3.  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 reminder before each payment is due.


Frequently Asked Questions


What payment methods are accepted?

You may use debit or credit cards for the installment option on Shop Pay.

Are there any late fees?

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

Can I return orders that were paid using the installments on Shop pay?

Yes, our standard return policy applies.

If your refund amount is less than the amount remaining on your Shop Pay Installments balance, then you can expect one or both of the following:

  • A smaller payment balance on the final payment
  • Less future payments on the remaining loan balance

If your refund amount is more than the amount remaining on your Shop Pay Installments balance, then you can expect to receive the difference as a refund to your original debit card or credit card payment method within 3 to 10 business days.




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*Payment options are offered by Affirm and are subject to eligibility checks and might 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 the California Financing Law license.