Shop Pay Installment Help Center DocumentationUpdated 5 hours ago
Shop Pay Installment Help Center Documentation
What are Shop Pay Installments?
Shop Pay Installments lets eligible customers pay for an order in smaller increments over time. Installment options vary and can be used on orders over $35, including discounts, shipping, and taxes.
What are the payment plans?
Orders between $35 and $30,000 are eligible for Shop Pay Installments, with options to pay in bi-weekly or monthly installments.
Is there a fee?
Shop Pay Installments allows customers to split purchases into multiple payments. There is no additional fee or interest rate applied. You may be subject to interest if you split your purchase into monthly payments.
Eligibility requirements and credit score
You must be over the age of 18, reside in the US, and be paying in USD to use Shop Pay installments.
Checking your eligibility will not impact your credit. Once payment plan terms are accepted, your payments may be reported to a credit bureau.
To use Shop Pay Installments, you need to use a US shipping address.
Are there fees or penalties?
For purchases split into 2 or 4 bi-weekly payments, there are no additional charges or interest rates applied. Purchases split into monthly payments may be subject to interest.
You can pay your balance off early without penalty.
There are no late fees. However, partial or late payments may affect your ability to use Shop Pay Installments in the future.
How does Shop Pay Installments work?
Add items to your cart
Check out with Shop Pay
Choose the option to pay in installments
Your first payment is due at checkout and the remaining payments are automatically charged based on your installment plan. Don’t worry, you’ll get an email reminder before each payment to remind you.
Shop Pay Installments Disclosure
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.
For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks.
Shop Pay Installments is offered in partnership with Affirm. Affirm is the servicer of your loan, and you can manage payments in your Shop Pay account or with Affirm directly.