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Shop Now. Enjoy Now. Pay Later.When you choose Shop Pay Installments at checkout, you can split your purchase into flexible installment payments.

1) Quick decision:Get a real-time decision on your eligibility.

2) Easy payments:Split your purchase into easy bi-weekly or monthly payments.

3) No surprises:No late or hidden fees.

How it works

1) Add items to your cart (or shopping bag).

2) Check out with Shop Pay.

3) Choose the option to pay in installments.

Your first payment is due at checkout. The remaining payments are automatically charged to your card saved on Shop Pay based on the payment plan you chose. Don't worry, you'll get an email reminder before each payment to remind you.

Payment plans

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

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.

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:

• Gift Card(If you want to purchase gift cards along with Shop Pay Installments eligible products, then you need to place two separate orders.)

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.