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Shop Pay Installments | Buy Now, Pay Later with No Late Fees or Surprises
Shop Pay Installments, powered by Affirm, offers flexible payment options at checkout with monthly installments that work for your budget—typically available in 4 biweekly payments or longer-term monthly plans (3, 6, or 12 months) depending on the order value.
Budget friendly options | No hidden fees | No late fees |No surprises
What is Shop Pay Installments?
Shop Pay Installments is a service offered through Shopify, powered by Affirm, that lets you split your purchase into smaller payments over time, directly at checkout. It’s designed to give you more flexibility without the typical fees or confusion associated with traditional credit products.
How Shop Pay Installments Works
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Choose Shop Pay at checkout
At checkout, select Shop Pay and complete your purchase using your saved payment info. -
Select “Pay in Installments”
If eligible, you’ll be offered the option to split your payment—either into 4 biweekly payments or monthly payments for larger purchases. -
Get an instant decision
Provide a few simple details, and you’ll get a real-time decision with your payment plan terms clearly shown before you commit. -
Complete your order
Once you accept the terms, complete your order and make your payments over time through Affirm.
Features of Shop Pay Installments
Soft credit check only
Applying won’t affect your credit score. Shop Pay uses a soft credit inquiry when needed to verify eligibility.
Upfront pricing
You'll always see exactly what you’ll owe—no late fees, no hidden interest, no surprises.
Flexible terms
Choose from interest-free 4-payment plans or extended monthly payment terms based on the size of your order and eligibility.
Email and SMS reminders
You’ll receive alerts when payments are due and can manage your loan through Affirm directly.
Payment Plan Options
Orders between $50–$999.99: Interest-free 4 biweekly payments
Orders over $150: Monthly installment options up to 12 months (APR applied if selected)
Your eligibility and loan terms (like APR) are determined by Affirm at checkout.
How Do Refunds Work?
If you return an item purchased with Shop Pay Installments:
A refund is processed back through Affirm.
If the refund is for the full amount, your payments stop and any payments made will be refunded.
If it's a partial refund, the refund is applied to your loan balance.
If we issue store credit instead of a refund, you’re still responsible for paying off your loan.
Refunds typically take 3–10 business days to process depending on your bank.
Managing Your Payments
All installment plans are managed through Affirm:
Visit affirm.com/account
Sign in with your phone number
View loan details, set up autopay, and make payments via debit card or bank transfer
FAQ:
Is Shop Pay Installments available outside the U.S.?
No. Shop Pay Installments is only available to U.S. customers at this time.
Why am I seeing an interest rate?
4-payment biweekly plans are always interest-free. However, monthly payment plans may include interest (typically 10–30% APR), depending on your creditworthiness.
Can I change my order or increase my loan amount after purchase?
No. Once your loan is confirmed, changes can't be made. To add items, you’ll need to start a new order with a new payment method.
More Information
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