Installments

Shop Pay offers you the option to pay in full at checkout, or to split your purchase into multiple different payment installment options. You can't adjust the number of installment payments or the price range available for Shop Pay Installments. We offer up to 24 month installment plans.

You have the option to pay for orders between $50 and $5000 USD, including discounts, shipping and taxes, in multiple different types of installments. To use Shop Pay Installments, your shipping address needs to be in the United States. 
 

Fees or penalties

There are no additional charges, interest rates, or late fees depending on the plan you pick. Some plans have interest of 15% if extended over 12 to 24 months. You can pay your balance off early without penalty. However, if you make a partial payment or late payment, then future applications to use Shop Pay Installments might be affected.
 

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.