Installments

Shop Pay offers you the option to pay in full at checkout, or to split your purchase into equal installment payments.  You can pay your balance off early without penalty. 

"Rates from 0% APR or 10-36% 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."  

Credit scores and eligibility

Your credit scores aren't affected if you use Shop Pay Installments. However, if you don’t pay an installment, or you make a late payment, then your eligibility for making purchases using Shop Pay Installments in the future might be affected.   

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.

Note: You can apply for Shop Pay at the check out page on our website!