To use Shop Pay Installments, you need to live in the United States and register for Shop Pay. When choosing Shop Pay Installments, the following limitations apply:

• You can't pay for an order if the order includes currency in any form, including virtual and digital currency, like gift cards.
• Orders need to be between 50 USD and 3,000 USD, including shipping and taxes.
• If you change your Shop Pay phone number, then you also need to update this with Affirm before you can pay for another purchase using Shop Pay Installments.
• Shop Pay Installments doesn't accept Capital One cards, prepaid debit cards, or prepaid credit cards.

No, there are no late fees if you miss a scheduled payment.

When checking out with Shop Pay, you now have the option to pay now or later. Paying in installments on Shop Pay allows you to split your purchase amount into 4 equal, biweekly installment payments—with 0% interest, no hidden or late fees, and no impact on your credit score.* In some instances, your first payment is due when you make your purchase; otherwise, your first payment is due 2 weeks after your purchase.

If your refund amount is less than the amount remaining on your Shop Pay Installments balance, then you can expect one or both of the following:
 
 A smaller payment balance on the final payment. 
 Less future payments on the remaining loan balance.

If your refund amount is more than the amount remaining on your Shop Pay Installments balance, then you can expect to receive the difference as a refund to your original debit card or credit card payment method within 3 to 10 business days.

The installments option on Shop Pay is available on debit and credit cards.

1. Fill your cart, then choose Shop Pay Installments at checkout.
2. Choose the installments option as your payment method.
3. Choose a debit or credit card to use for payment, then tap Continue.
4. Follow the steps to verify your identity—this usually takes just a few moments.
5. If you agree to the terms, click Agree, then tap Authorize purchase.
6. Enter the 6-digit verification code that was sent to your phone.

1. Add items to your cart.

2. Check out using Shop Pay.

3. In the Payment method section, choose to pay for your order in 4 installments.

4. Select a debit or credit card to use as your payment method.

5. Confirm your billing and shipping information is correct.

 6. Click Continue.

7. If required, enter the 6-digit code sent by Shop Pay to your phone.

 8. If you agree to the terms, select the Agree checkbox and then complete your purchase. If you don’t agree to the terms and conditions, then you can’t pay using Shop Pay Installments. After you select Shop Pay Installments, review your purchase. You’ll be presented with one of the following options:

  • Make your first payment at checkout.

  • Make your first payment 2 weeks after the purchase was made.

The 3 remaining payments are automatically charged to your debit or credit card every 2 weeks after the first payment. You’ll get an email reminder before each payment is charged in case you want to change your payment methods.

Your Shop Pay Installments orders appear in the Home tab of the app. You can tap on an order for a summary of your repayment status. Tap View installments for more detailed info about past and upcoming payments.

Make a manual payment on a Shop Pay Installments order

You can make a manual payment on a Shop Pay Installments order in the Shop app.

From the Home tab, tap the order you want to make a payment for.

Tap View Installments, and then tap Make a payment.

Select an option in the Amount to pay section.

In the Card section, select the card you want to pay with.

Tap Pay now, and then tap Continue.

Change your payment method for an existing Shop Pay Installments order

You can change your payment method on a Shop Pay Installments order while it's in repayment. However, you can't use Capital One cards or prepaid debit cards as a payment method.

Going forward, the new payment method will be used for payments on this order. If you want to update your payment method for multiple Shop Pay Installments orders, then you need to complete the steps below for each order.

From the Home tab, tap the order that you want to change the payment method for.

Tap View Installments, and then tap Payment options.

Select the new payment method that you want to use. If you need to add a new payment method, then tap Use a different card, and complete the required fields.

No, using  Shop Pay in installments does not affect your credit score. 

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• For questions about installment payments on Shop Pay, visit shop.affirm.com/help.

• For questions about Shop Pay or the Shop App, visit shop.app/help/shop-pay.