Introducing

Buy Now, Pay Later

We've got a new, stress-free way to pay: Shop Pay Installments. Start shopping, pay over time, and get FREE Shipping on USA orders $79+!

Quick Approval

Get a real-time decision.

Easy Payments

Split your payments into 4 easy payments or monthly installments.

No hidden fees

No late fees. Never pay more than you agreed to upfront.

Available for orders $50+

Free Shipping on USA orders $79+.

No impact on your credit score, and you'll never pay late fees*.

How it works:

Add items to your cart - available on orders $50+

Check out with Shop Pay.

Choose to pay in 4 equal, interest-free payments or monthly installments.

If you choose 4 interest-free payments, your first payment is paid at checkout. The next 3 remaining installments are automatically charged to your card saved on Shop Pay every 2 weeks. Don't worry, you'll get an email reminder before each payment to remind you.

Shop Pay FAQs:

What is the option to pay in installments on Shop Pay?

When checking out with Shop Pay, you now have the option to pay now or later. Paying in 4 interest-free installments on Shop Pay allows you to split your purchase amount into 4 equal, biweekly installment payments—with 0% interest, no hidden or late fees, and no impact on your credit score.* Your first payment is due when you make your purchase.
Are there late fees?

No, there are no late fees if you miss a scheduled payment.
Which payment methods are accepted if I use the option to pay in installments on Shop Pay?

The installments option on Shop Pay is available on debit and credit cards.
What if I make a return on a purchase made through installments with Shop Pay?
If your refund amount is less than the amount remaining on your Shop Pay Installments balance, then you can expect one or both of the following:
- A smaller payment balance on the final payment.
- Less future payments on the remaining loan balance.
If your refund amount is more than the amount remaining on your Shop Pay Installments balance, then you can expect to receive the difference as a refund to your original debit card or credit card payment method within 3 to 10 business days.

Got 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

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.