Pay Later with Shop Pay Installments

Shop Pay Installments lets eligible customers in the United States and Canada pay for an order in smaller increments over time. It's powered and serviced by Affirm and is only available in some stores. When available, Shop Pay Installments is a great option to help you maximize your budget for orders between $35 USD and $30,000 USD or CAD.


How Shop Pay Installments Works

When you choose Shop Pay Installments at checkout, you're applying for a loan through Affirm. If approved, then your purchase will be split into several smaller payments. You'll make your payments to Affirm, either bi-weekly or monthly, depending on the plans available for you to choose at checkout.

Depending on where you make your purchase, a down payment may be required at the time of checkout. You can also choose to pay off your loan early without any penalties. For interest-bearing loans, you can save on interest fees when you pay off the remaining balance early.


Eligibility Criteria

  • Location and billing address: You must reside within the United States (U.S.) or Canada (excluding Quebec) and use a payment card with a United States or Canadian billing address.
  • Age requirement: You must be at least 18 years old to use Shop Pay Installments in most regions. However, if you reside in any of the following areas, then you must be at least 19 years old to use Shop Pay Installments:
    • Alabama
    • Nebraska, if you're a ward of the state
    • British Columbia, New Brunswick, Newfoundland and Labrador, the Northwest Territories, Nova Scotia, Nunavut, or the Yukon.
  • Shop Pay: You need to have a Shop Pay account to use Shop Pay Installments.
  • Currency: All transactions must be carried out in USD or CAD. Using another currency will disable the installment option.
  • Order value: Your order total must be between $35 and $30,000 USD or CAD, including shipping and taxes.
  • Prohibited items: Orders can't include any form of currency, including virtual and digital currencies such as gift cards.


Payment Method Restrictions

  • Accepted cards: You can pay using a supported debit or credit card. Monthly payments require a debit card. Credit cards are only accepted as payment methods on installment plans of 4 bi-weekly payments.
  • Excluded cards: Capital One and Chase credit cards, as well as all prepaid credit and debit cards, aren't accepted.
  • Digital wallets: Transactions using Shop Pay Installments aren't compatible with digital wallets such as Apple Pay.
  • Single store purchase: Purchases must be from a single store. Orders combining products from multiple stores aren't eligible for Shop Pay Installments.
  • Final approval: Even if all criteria are met, final approval for Shop Pay Installments is determined by Affirm on a case-by-case basis.


Compatibility and Address Limitations

  • Shipping addresses: Cannot support deliveries to United States army post office (APO) military APO addresses or P.O. boxes.


Payment Details and Options

  • Order total display: Interest fees owed aren't included in the order total displayed in the Shop app.
  • Installment display options: The product display page shows bi-weekly installment options; monthly installments might be available at checkout but won't be displayed initially.

  • Late Payments: There are no fees or penalties for paying more than your installment amount, or for paying off your whole balance early. However, partial payments or late payments may affect future approvals to use Shop Pay installments. 


Disclosures for Using Shop Pay Installments

  • United States: 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.

  • Canada: Rates from 0-31.99% APR (subject to provincial regulatory limitations). Payment options through Affirm Canada Holdings Ltd. (“Affirm”) are subject to an eligibility check and depend on purchase amount, vary by merchant, and may not be available in all provinces/territories. A down payment (or a payment due today) may be required. See affirm.ca/helpcenter for more information

  • You can't change the type of payment plan once you have completed your checkout. If you want to request a refund or cancellation for your order, then contact us directly.