Shop Pay Logo. A legit and secure way to pay in installments in partnership with affirm.

Buy now, pay later with Shop Pay

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Quick approval

Get a real time decision.

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Easy Payments

Split your purchase into 4 easy payments.

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No Hidden Fees

0% interest free payments with no surprises.

How Shop Pay Installments work:

Step 1:

Add items to your cart (or shopping bag).

Step 2:

Select Shop Pay at check out.

Step 3:

Enter your email address to log in or sign up, then choose to pay your order in 4 installments.


Are there late fees?

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

What is the option to pay in installments on Shop Pay?

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 4 equal, biweekly installment payments—with 0% interest, no hidden or late fees, and no impact on your credit score.* In some instances, your first payment is due when you make your purchase; otherwise, your first payment is due 2 weeks after your purchase.

Can I return an item purchased through Shop Pay installments?

Yes, you can return items purchased through Shop Pay! 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 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.

Which payment methods are accepted through Shop Pay?

Shop Pay Installments is available for purchases made using a debit card or credit card.

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