ShopPay Installments FAQ

How it works

    1. Add items to your cart (or shopping bag).
    2. Check out with Shop Pay.
    3. Choose to pay in 4 installments—with 0% interest, no hidden or late fees, and no impact on your credit score.*

Your first payment is either due at checkout or 2 weeks after your purchase. The next 3 remaining installments are automatically charged to your card saved on Shop Pay every 2 weeks. Don't worry, you'll get an email reminder before each payment to remind you.

*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.

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.

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.

Are there late fees?

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

Does using ShopPay affect my credit score?

No, your credit score isn't affected you use Shop Pay Installments. However, if a you don't pay your installment, or you make a late payment, then you might not be eligible to make purchases using Shop Pay Installments in the future.