Shop Now, Pay Later

Buy now, pay over time with Shop Pay. Split your purchase into smaller payments—so you can get what you love today, without paying all at once.

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 into 4 equal, biweekly installment payments – with 0% interest, no hidden or late fees, and no impact on your credit score.* 

How it works

1. Choose Shop Pay at checkout
   Select Shop Pay and choose to pay in installments.
2. Pick your payment plan
   Split your purchase into 4 interest-free payments or monthly installments.
3. Pay over time
   Your payments are charged automatically—no need to remember due dates.

 

Your first payment will either be due at checkout or 2 weeks after your purchase. The next 3 remaining installments will be automatically charged to your card saved on Shop Pay every 2 weeks. You'll get an email reminder before each payment.  

*Short-term “Pay in 4” plans typically don’t impact your credit score. Longer-term monthly plans may involve a credit check.

What happens if I return an item?

If you make a return, your installment plan will be adjusted or refunded accordingly.

Who do I contact for billing questions?

Installment payments are managed by Shop Pay’s lending partner, Affirm. For questions about installment payments on Shop Pay, visit https://help.shop.app/en/shop/shop-pay-installments