Pay Over Time with Shop Pay

Pay Over Time with Shop Pay

Shop today and split your purchase into flexible payments. With Shop Pay Installments, you can enjoy your order now and pay later—interest-free or with monthly plans that fit your budget. Plus, when you choose Shop Pay, you support carbon removal projects at no extra cost.

How It Works

  1. Add your items to the cart.
  2. Check out using Shop Pay.
  3. Select “Pay in Installments.”

Your first payment is due at checkout. The rest are automatically charged to your saved card based on your chosen plan. You’ll also receive friendly email reminders before each payment—no surprises.

Why Choose Shop Pay Installments?

  • Quick decision – Get an instant eligibility decision at checkout.
  • Easy payments – Split your purchase into bi-weekly or monthly installments.
  • No surprises – Enjoy no hidden or late fees.

Frequently Asked Questions

How do installments work?

You can pay in four equal, bi-weekly payments at 0% APR, or choose monthly installments with transparent terms. No late or hidden fees—ever.

Which payment methods are accepted?

Debit cards are always accepted. Depending on your country, credit cards may also be available for certain Shop Pay Installments orders.

Can international customers use Shop Pay Installments?

No. Shop Pay Installments is currently available only to residents of the United States and Canada with a valid phone number and payment card tied to a U.S. or Canadian billing address.

Is there a spending limit?

Yes, the maximum order value is $30,000 USD or CAD, including discounts, taxes, and shipping.

Can I pre-qualify before shopping?

No. Applications begin at checkout, but the process takes only a few steps and gives you a real-time decision.

What happens if I miss a payment?

You won’t be charged late fees, but missed or partial payments could affect your credit score and future eligibility.

Have More Questions?

For more details, visit Affirm’s Shop Pay Installments Help Center.

Important Disclosures

Canada

Rates from 0–31.99% APR (subject to provincial regulations). Financing is through Affirm Canada Holdings Ltd. (“Affirm”) and depends on eligibility, purchase amount, and terms. Example: an $800 purchase could be 12 monthly payments of $72.21 at 15% APR (total repayment $866.48), or four interest-free payments of $200. Visit helpcenter.affirm.ca for details.

United States

Rates from 0–36% APR. Payment options are subject to eligibility and are provided by lending partners listed at affirm.com/lenders. Terms vary by purchase amount and location. State notices available at affirm.com/licenses.