Shop Pay offers you the option to pay in full at checkout, or to split your purchase into 4 equal installment payments. You can't adjust the number of installment payments or the price range available for Shop Pay Installments.

The estimated payment amount excludes taxes and shipping. Payment options are offered by Affirm and are subject to eligibility check and might not be available in all states. California residents: Affirm Loan Services, LLC is licensed by the Department of Business Oversight. Loans are made or arranged pursuant to California Financing Law license.



There are no additional charges, interest rates, or late fees. Pay your balance off early without penalty. However, if you make a partial payment or late payment, then future applications to use Shop Pay Installments might be affected.

Credit Score/Eligibility

Your credit score is not affected with Shop Pay Installments. However, if you don’t pay an installment, or you make a late payment, then you may not be eligible to use Shop Pay Installments in the future. 

In summary, Shop Pay offers, 

  • No late fees, no hidden fees, and no surprises.*
  • Split your purchase into 4 equal, interest-free payments.*
  • No impact on your credit score, and you’ll never pay interest or late fees.*

Available for online purchases ONLY. **

Further questions, comments or concerns contact our support team at,