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About Shop Pay Installments

Installments

Shop Pay offers you the option to pay in full at checkout, or to split your purchase into regular payments with Shop Pay Installments, both online and in store. Installment options vary by store and can be used on orders over $50 USD, including discounts, shipping, and taxes.

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
Note: Minimum purchase amounts may vary by retailer.

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.

Note: To use Shop Pay Installments you need a US shipping address.

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:

  • Cash advances
  • Illegal items and activities
  • Weapons, including parts and accessories
  • Narcotics
  • Regulated products such as alcohol, tobacco, or drug paraphernalia
  • Currency, including cryptocurrency
  • PayPal, Venmo, and other money transfer services
  • Loan and credit card payments

Terms of Service

Learn more about Affirm’s terms of service or Shop’s terms of service.

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.


For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks. 

Affirm is the originator and servicer of Shop Pay installments, but payments are managed in your Shop Pay account.

FAQ

How do Shop Pay Installments work?

Choose Shop Pay at checkout and select Installments — your purchase is split into scheduled payments, with the exact schedule and any interest shown before you confirm.

Are there fees or interest?

Terms depend on the plan you're offered — many short plans are interest-free, longer plans may carry interest. Everything is disclosed at checkout before you commit; you'll never be surprised after.

Can I pay off my balance early?

Yes — you can manage and pay down your plan anytime from your Shop Pay account. Check your plan's terms for the details that apply to you.

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