Shop Pay Financing
GET IT NOW, PAY LATER
Big ticket items,
small flexible payments
We're glad to let you know that Shop Pay gives you more ways to buy now and pay later. There are no late or hidden fees, and you'll never pay more than you agreed to up front. You can check your balance in the Shop app any time.
Fill your cart and check out with Shop Pay.
Choose 4 interest-free payments or monthly installments.
You’ll be prompted to make the rest of your payments.
*Rates from 0% APR 10-36% 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.
**If you finance your purchase with Affirm, your first payment is due approximately two weeks after your purchase is finalized. Please note that due to extended delivery times, your loan payment(s) may be due before you receive your purchase.
Frequently Asked Questions
- Q: What is the option to pay in installments on Shop Pay?
A: When checking out with Shop Pay, you now 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*.
- Q: Which payment methods are accepted if I use the option to pay in installments on Shop Pay?
- Q: Can I use Shop Pay Installments if I'm an international customer?
A: Shop Pay Installments is only available to customers with a United States billing address and a United States mobile phone number. Customers with international billing addresses or phone numbers can't use Shop Pay Installments.
- Q: Is there a limit to how much I can spend on a single Shop Pay Installments order?
- Q: Can I buy gift cards with Shop Pay Installments?
- Q: Are there late fees?
- Q: What if I miss an installment payment?
- Q: What if I make a return on a purchase made through installments with Shop Pay?
If your refund is less than your total purchase balance, then 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, then the difference is returned to your original payment method within 3-10 business days.
If your order is made with interest payments, then the paid interest isn't refunded. When you make payments, the funds are first applied to the accrued unpaid interest and then to the principal. Interest is the cost of borrowing, and isn't refundable.
- Q: Have more questions?