Financing
Shop Pay Installments
Shop Pay offers you the option to pay in full at checkout, or to split your purchase into regular payments with Shop Pay Installments.
Pay in 4 for purchases $50 to $999
- Interest-free payments every 2 weeks
- No impact to your credit score
Pay monthly for purchases $150 to $17,500
- 3, 6, or 12-month terms
- Rates from 0-36% APR
- No impact to your credit score to apply
Note: Purchase amounts may vary by product.
Eligibility requirements & credit score
You must be over the age of 18, reside in the US, and be paying in USD to use Shop Pay Installments.
Your credit scores aren't impacted if your purchase is split into 4 bi-weekly payments using Shop Pay Installments. If your purchase is split into monthly payments, then your payments may be reported to a credit bureau.
Fees or penalties
For purchases split into 4 bi-weekly payments, there are no additional charges or interest rates applied. Purchases split into monthly payments may be subject to interest.
You can pay your balance off early without penalty.
There are no late fees. However, partial or late payments may affect your ability to use Shop Pay Installments in the future.
Note: Due to extended delivery times, your loan payment(s) may be due before you receive your purchase.
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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 https://www.affirm.com/