Shop Pay Installments FAQ
Who is eligible for Shop Pay Installments?
Customers with a shipping address in the United States who are paying with a credit or debit card are usually eligible.
Are there specific order requirements?
The order total must be between $50-$1000 (after shipping and discounts) and shipping to the USA.
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.
What if I make a return on a purchase made through Installments with 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 your 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 within 3 to 10 business days.
Which payment methods are accepted if I use the option to pay Installments on Shop Pay?
The installments option on Shop Pay is available on debit and credit cards.
Can I purchase gift cards or subscription products using Shop Pay Installments?
No. You can't buy subscription products using Shop Pay Installments.
How can I receive help regarding a question or problem using Shop Pay Installments?
If you have questions about your loan, making a payment, or managing your account, please visit Installments Help Center.
If you have questions about Shop Pay or the Shop app, please visit Paying in installments with Shop Pay.
*Payment options are offered by Affirm and are subject to eligibility check and might not be available in all states, or other countries. 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.