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Shop Pay: Play Today and Pay Later

Shopify Shop Pay Installments in Partnership With Affirm Banner Image

Play Now, Drop The "L", and Pay Later with SHOP Pay/Affirm Installment Plans

INSTALLMENTS

Shop Pay offers you the option to pay in full at checkout, or to split your purchase into regular payments with Shop Pay Installments, both online and in store. Installment options vary by store and can be used on orders over $50 USD, including discounts, shipping, and taxes.

 

PAYMENT PLANS

Purchases between $50 USD to $17,500 USD are eligible for Shop Pay Installments, with the following options:

  • 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 $17,500
  • 3, 6, or 12-month terms
  • Rates from 0-36% APR
  • No impact to your credit score to apply

Note: Minimum purchase amounts may vary by retailer.

 

ELIGIBILITY REQUIREMENTS & CREDIT SCORE

You must be over the age of 18, reside in the US, and be paying in USD to use Shop Pay Installments.

Your credit scores aren't impacted if your purchase is split into 4 bi-weekly payments using Shop Pay Installments. If your purchase is split into monthly payments, then your payments may be reported to a credit bureau.

Note: To use Shop Pay Installments you need a US shipping address.

 

FEES OR PENALTIES

For purchases split into 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.

 

RESTRICTED ITEMS

There are some items that you can’t use Shop Pay Installments to purchase, including, but not limited to:

  • Cash advances
  • Illegal items and activities
  • Weapons, including parts and accessories
  • Narcotics
  • Regulated products such as alcohol, tobacco, or drug paraphernalia
  • Currency, including cryptocurrency
  • PayPal, Venmo, and other money transfer services
  • Loan and credit card payments

To read or learn more about Affirm’s terms of service, use the following hyperlink: Affirm (new window will open)

 

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 Frequently Asked Questions

1. Are there any penalties for paying off my purchase early?

- No, you can pay early without fear of penalties.

 

2. When it comes time to pay, how do I make those payments?

- You will be required to check in with Shop Pay and they will be contacting you with that information, along with reminders when payments are due.

 

3. If I check my eligibility, will it impact my credit score?

- No, checking will not effect or impact your credit score.

 

4. Can items purchased with Shop Pay be returned?

- Yes, items may be returned if the requirements are met under our Return & Refund Policy. Please use the Contact Us form to initiate a return.