Shop Pay FAQs
Fashion Closet Clothing
Introducing buy now, pay later with Shop Pay
Get a real-time decision.
Split your purchase into 4 easy payments.
0% APR interest payments with no surprises.
*Payment options are offered by Affirm and are subject to eligibility check and may 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 60DBO-111681.
How it works?
- Add items to your cart.
- Check out with Shop Pay.
- Choose to pay in 4 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.
Purchases between $50 USD to $17,500 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 $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 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.
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.
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
- Regulated products such as alcohol, tobacco, or drug paraphernalia
- Currency, including cryptocurrency
- PayPal, Venmo, and other money transfer services
- Loan and credit card payments
Terms of Service
Learn more about Affirm’s terms of service or Shop’s terms of service.
Affirm is the originator and servicer of Shop Pay installments, but payments are managed in your Shop Pay account.
Have more questions?
For questions about installment payments on Shop Pay, visit shop.affirm.com/help.
For questions about Shop Pay or the Shop App, visit shop.app/help/shop-pay.