Shop Pay Installments

Bi-weekly Payments

Shop Pay offers customers the option to split their purchase into four equal, interest-free installment payments for orders between $50 and $1,000. There are no additional charges, interest rates, or late fees passed on to customers for these orders.

Customers can pay their balance off early without penalty. However, if they make a partial payment or late payment, then future applications to use Shop Pay Installments might be affected. Credit scores aren't affected if customers choose this option.


Monthly Payments

Shop Pay installments offers customers the option to pay for orders between $50 and $17,500 with monthly payments.

Monthly installments orders are interest-bearing, and may be paid in three, six, or twelve months depending on purchase amount.

Customers can only pay with a debit card if they choose the monthly payment option.

After a customer selects the installments option, they review their purchase and make their first payment at checkout.

The remaining payments are automatically charged to the customer's card based on the payment schedule they choose. Customers get an email reminder before each payment is charged.

If a customer requests a refund for an order that they've made monthly payments for, then the paid interest isn't refunded. Interest is the cost of borrowing, and isn't refundable.


Affirm is the originator and servicer of Shop Pay installments, but payments are managed in your Shop Pay account. Payment options are offered by Affirm and are subject to eligibility check and might not be available in all states. Rates from 0% APR and 10%-30% APR.