0% APR Financing

Payment Plans

Purchases between $50 USD to $30,000 USD are eligible for Shop Pay Installments, with options to:

Pay in 4 for purchases $50 to $999

Interest-free payments every 2 weeks
No impact to your credit score

Pay monthly for purchases $150 to $30,000

Monthly installments for 6 months at 0% APR
Monthly installments for 6-24 months at 10-36% APR
No impact to your credit score to apply

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Here Is How The Process Works

1. Add Item(s) to Cart;

2. Enter Contact and Shipping Information.

3. At the Payment Section; choose "Shop Pay | Pay in full or in installments"

4. Click "Continue"

5. You'll be redirected to the Shop Pay platform, where you can either sign in or create an account;

6. Verify any requested information and select your preferred payment plan.

7. Select a card to use as your payment method. Note: Monthly payments require a debit card. Credit cards are only accepted as payment methods on installment plans of 4 bi-weekly payments.

8. Confirm your billing and shipping information is correct.

9. Click "Continue."

10. If required, enter the 6-digit code sent by Shop Pay to your phone.

11. If you agree to the terms, select the Agree checkbox and then complete your purchase and your order will be submitted and processed promptly.

Your first payment is due at checkout. The remaining payments are automatically charged to your card saved on Shop Pay based on the payment plan you chose. You'll get an email reminder before each payment.

Experience a fast, secure, and hassle-free checkout with Shop Pay!

BUY NOW, PAY LATER

Check your purchasing power to find out estimated payment amounts before checkout. Choose interest-free payments, or pay with interest over 3 to 24 months.**

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FAQ

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 four equal, biweekly installment payments with 0% APR, or monthly installments with no hidden or late fees*.

Which payment methods are accepted if I use the option to pay in installments on Shop Pay?

For non-interest bearing orders, debit and credit cards are accepted through Shop Pay. For interest bearing orders, you can only pay using a debit card.

Can I use Shop Pay Installments if I'm an international customer?

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.

Is there a limit to how much I can spend on a single Shop Pay Installments order?

Yes, 20,000 USD is the order value limit that applies to purchases using Shop Pay Installments, including discounts, shipping, and taxes.

Can I pay in-store with Shop Pay Installments?

Yes, we offer Shop Pay Installments at our retail locations. Come visit us in store to learn more.

Can I pre-qualify for a purchase amount before visiting the store?

No. An application for Shop Pay Installments can only begin with a live checkout. Applying in store only takes a few steps and you’ll get a real-time decision in minutes.

Can I buy gift cards with Shop Pay Installments?

You can't purchase gift cards using Shop Pay Installments. If you want to purchase gift cards along with Shop Pay Installments eligible products, then you need to place two separate orders.

Are there late fees?

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

What if I miss an installment payment?

There are no late fees for customers who miss a scheduled payment. However, partial payments or late payments might impact your credit score, or your eligibility to use Shop Pay Installments in the future. If you have questions about a missed installment payment, then you can contact Affirm support for assistance.

What if I make a return on a purchase made through installments with Shop Pay?

To request a refund, contact the store where you purchased your item. Using their return policy, the store will advise if a return is possible. If a return is possible, then the store will advise how much the refunded amount will be. After your refund is processed, the refund amount will be applied to your original payment method within 3-10 business days and your balance will be updated.

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.

Have more questions?

For questions about installment payments on Shop Pay, visit https://shoppay.affirm.com/.

*Rates from 0-36% 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.

Payment Plans

Here Is How The Process Works

BUY NOW, PAY LATER

FAQ

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