Shop Pay Installments FAQ
How It Works
- Add items to your cart.
- Check out with Shop Pay.
- Choose the option to pay in installments.
Your first payment is due at checkout. The remaining payments will be automatically charged to your saved card on Shop Pay according to the payment plan you select. You'll receive an email reminder before each payment.
What is the option to pay in installments on Shop Pay?
When checking out with Shop Pay, you can choose to pay now or split your purchase into flexible installment payments.* Your first payment is due at checkout, and you can pay off your loan early without penalties.
For interest-bearing loans, paying off the remaining balance early can help you save on interest fees.
*Rates range from 0% APR to 10-36% APR. Payment options through Shop Pay Installments are subject to eligibility checks and are provided by these lending partners: affirm.com/lenders. Your available options depend on your purchase amount, and a down payment may be required. State notices for consumers: affirm.com/licenses.
Are there late fees or credit reporting?
No, there are no late fees if you miss a scheduled payment.
Applying for Shop Pay Installments does not impact your credit score, but your loan and payment history may be reported to credit bureaus.
What happens if I return a purchase made with Shop Pay Installments?
If your refund amount is less than the remaining balance on your loan, one or both of the following may apply:
- Your final payment amount may be reduced.
- You may have fewer remaining payments.
If your refund amount is more than the remaining balance, the difference will be refunded to your original payment method within 3 to 10 business days.
If you paid for your order in monthly payments, any interest already paid will not be refunded. Interest is the cost of borrowing and is non-refundable.
Which payment methods are accepted for Shop Pay Installments?
- Shop Pay Installments supports debit and credit cards.
- Capital One and Chase credit cards, as well as all prepaid cards, are not accepted.
- Credit cards are only accepted for bi-weekly installment plans.
Transactions using Shop Pay Installments do not work with digital wallets like Apple Pay.
Can international customers use Shop Pay Installments?
No, Shop Pay Installments is only available to customers with a United States billing address and mobile phone number.
International billing addresses or phone numbers are not supported.
Are there any shipping address restrictions?
Shop Pay Installments does not support deliveries to P.O. boxes and U.S. military (APO/FPO) addresses.
Can I buy gift cards using Shop Pay Installments?
No, you cannot purchase gift cards with Shop Pay Installments.
Have more questions?
- For questions about Shop Pay Installments, visit: shoppay.affirm.com.
- For questions about Shop Pay or the Shop App, visit: help.shop.app.
