Shop Pay Installments Overview
Shop Pay offers two payment options: pay in full at checkout or split your order into installments for purchases between $50 and $20,000.
For purchases between $50 and $999.99, you can pay in four bi-weekly, interest-free installments with no fees or impact on your credit score. Purchases between $150 and $20,000 can be divided into monthly payments, which may include interest but have no late fees.
After your initial payment, subsequent charges are made automatically on a bi-weekly or monthly basis, and you'll receive email or SMS reminders. Payment schedules cannot be customized.
Shop Pay Installments, powered by Affirm, is available in select stores.
Shop Pay Installments Eligibility
To use Shop Pay Installments, you must meet the following criteria:
- Have a U.S. billing address and be signed up for Shop Pay.
- Your order must total between $50 and $20,000 (including shipping and taxes).
- For physical products, a U.S. shipping address is required. Digital products don’t need a shipping address.
- Four bi-weekly payments require a supported credit or debit card.
- Monthly payments can only be made with a supported debit card.
Limitations Shop Pay Installments cannot be used for orders that:
- Include any form of currency (e.g., gift cards, digital currency).
- Are paid using Capital One cards, Chase credit cards, or prepaid debit/credit cards.
Shop Pay Installments is powered by Affirm, which reviews applications at checkout. Learn more if you're not approved.