Financing Available

Shop Pay Installments

Overview
Shop Pay Installments gives you the flexibility to pay in full at checkout or split your purchase into smaller, regular payments. This option is available online and may be available in-store depending on the retailer. Eligibility and availability may vary based on order amount and store policies.
Payment Plans
Purchases between $50 and $20,000 USD may qualify for installment payment options.
  • Pay in 4: Orders $50–$999
  • Interest-free payments every 2 weeks
  • No impact to your credit score for Pay in 4 applications
  • Monthly Payments: Orders $150–$20,000
  • 3, 6, or 12-month terms
  • Rates from 0–36% APR
  • No impact to credit score to apply (may vary based on plan)

Note: Minimum purchase amounts and offers may vary by retailer.

Eligibility Requirements
To use Shop Pay Installments, you must meet the following requirements:
  • Be 18 years of age or older
  • Reside in the United States
  • Use a valid U.S. shipping address
  • Pay in USD
Credit reporting may vary depending on your selected payment plan. Pay-in-4 plans typically do not impact credit score, while monthly plans may be reported to credit bureaus.
Fees, Interest & Penalties
  • Pay in 4 plans are interest-free
  • Monthly payment plans may include interest (0–36% APR)
  • No late fees are charged
  • No penalty for early repayment

However, missed or partial payments may affect future eligibility for Shop Pay Installments.

Restricted Items
Shop Pay Installments cannot be used for certain products or services, including but not limited to:
  • Cash advances
  • Illegal items or activities
  • Weapons and weapon accessories
  • Narcotics or controlled substances
  • Alcohol, tobacco, or drug paraphernalia
  • Currency or cryptocurrency
  • Money transfer services (PayPal, Venmo, etc.)
  • Loan or credit card payments
Disclosure
Payment options through Shop Pay Installments are subject to eligibility checks and are provided by third-party lending partners.
  • Rates range from 0–36% APR
  • Approval depends on purchase amount and credit evaluation
  • A down payment may be required in some cases

Example: A $800 purchase could be split into 12 monthly payments of approximately $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks.

Affirm is the originator and servicer of Shop Pay Installments. Payments are managed through your Shop Pay account.