As Low as 0% APR Interest
Refresh Yourself Now, and Pay Later with Interest-Free Financing
Pay for Your Pioneer Over Time
Whenever you need the perfect temperature, say YES with confidence - knowing you can pay at your own pace, and never more than the amount disclosed up front. With Affirm/Shop Pay Installments, there are no late fees, service fees, prepayment fees, or any hidden fees.
Shop Pay Installments now offers up to 6 months of interest-free financing for eligible customers. That's 0% interest, 100% comfort!
Frequently Asked Questions
What is the option to pay in installments on Shop Pay?
What is the option to pay in installments on Shop Pay?
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 four equal, biweekly installment payments with 0% APR, or monthly installments with no hidden or late fees*.
Which payment methods are accepted if I use the option to pay in installments on Shop Pay?
Which payment methods are accepted if I use the option to pay in installments on Shop Pay?
For non-interest bearing orders, debit and credit cards are accepted through Shop Pay. For interest bearing orders, you can only pay using a debit card.
Can I use Shop Pay Installments if I'm an international customer?
Can I use Shop Pay Installments if I'm an international customer?
Shop Pay Installments is only available to customers with a United States billing address and a United States mobile phone number. Customers with international billing addresses or phone numbers can't use Shop Pay Installments.
Does checking eligibility affect credit score?
Does checking eligibility affect credit score?
Checking eligibility for Shop Pay Installments does not affect your credit score if you choose the option to pay in four biweekly installments. For customers who choose monthly payments with Shop Pay Installments, the eligibility process involves an application through Affirm, which typically includes a soft credit check. This soft credit check does not impact credit score. However, if the monthly payments option is selected and there are missed payments later on, your credit score might be impacted.
Is there a way to check eligibility during checkout?
Is there a way to check eligibility during checkout?
Customers can check their eligibility and purchasing power for Shop Pay Installments at the beginning of their purchase journey on product pages (for products valued at least $150 USD) or when the cart value is at least $150 USD. You can do this by clicking "Check your purchasing power" in the Shop Pay Installments product page banner, signing into your Shop Pay account, and completing the eligibility check before proceeding to checkout.
Is there a limit to how much I can spend on a single Shop Pay Installments order?
Is there a limit to how much I can spend on a single Shop Pay Installments order?
Yes, 30,000 USD or CAD is the order value limit that applies to purchases using Shop Pay Installments, including discounts, shipping, and taxes.
Are there late fees?
Are there late fees?
No, there are no late fees if you miss a scheduled payment.
What if I miss an installment payment?
What if I miss an installment payment?
There are no late fees for customers who miss a scheduled payment. However, partial payments or late payments might impact your credit score, or your eligibility to use Shop Pay Installments in the future. If you have questions about a missed installment payment, then you can contact Affirm support for assistance.
How do refunds work with Shop Pay Installments?
How do refunds work with Shop Pay Installments?
Refunds are processed by our store to your original payment method. Paid interest is not refunded. If the refund is less than the remaining balance, future payments are adjusted accordingly.
Have more questions?
Have more questions?
For questions about installment payments on Shop Pay, visit https://shoppay.affirm.com/.