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. Shop Pay Installments is a great option to help you maximize your budget for orders between $35 USD and $30,000 USD or CAD.

Shop Pay Installments is offered in partnership with Affirm.

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. 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.

To use Shop Pay Installments, select Shop Pay as your payment method at checkout, choose the "Pay in installments" option, then follow the on-screen instructions to select your preferred payment plan and complete the checkout process. 

After you apply for Shop Pay Installments, Affirm will review your application. You'll receive an email from Affirm (shoppay@shop.affirm.com) to the email address you use for Shop Pay, letting you know whether you're approved. This email might go to your spam or junk folder, so remember to check those folders too.

 If you're not approved, then the email will explain why and might include next steps, if applicable. Keep in mind that you may be approved the next time you apply, as your eligibility is determined by Affirm on each individual purchase attempt.

If you're approved, then you'll see your payment schedule in the Shop app, and you’ll receive email and SMS text reminders (if applicable) before each payment.

You can't customize your payment schedule, but you can make early payments. You can also make manual payments in the Shop app or in your Shop account from your browser.

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.

You must be 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.

You need to have a Shop Pay account to use Shop Pay Installments.

All transactions must be carried out in USD or CAD. Using another currency will disable the installment option.

Your order total must be between $35 and $30,000 USD or CAD, including shipping and taxes.

Orders can’t include any form of currency, including virtual and digital currencies such as gift cards.

You can pay using a supported debit or credit card. Credit cards are only accepted for bi-weekly installment plans.

Capital One and Chase credit cards, as well as all prepaid credit and debit cards, aren't accepted.

Transactions using Shop Pay Installments aren't compatible with digital wallets such as Apple Pay.

Purchases must be from a single store. Orders combining products from multiple stores aren't eligible for Shop Pay Installments.

Even if all criteria are met, final approval for Shop Pay Installments is determined by Affirm on a case-by-case basis.

Shop Pay cannot support deliveries to the United States Army post office (APO), military APO addresses or P.O. boxes.

If your order is eligible for return, per our return policy,  a refund will appear on your original payment method within 3 to 10 business days and your installments balance and payments will automatically be updated. The refund is first applied to any outstanding installment balance of the order. Any remaining refund amount is then returned to your original payment method. You will receive an email from Affirm explaining how the refund was allocated between your remaining balance and your payment method. Please note that paid interest is non-refundable. Interest is the cost of borrowing, and isn’t refundable.