Shop Pay Installments


Eligibility and limitations

To pay in installments with Shop Pay, you need to meet the following requirements:


  • Reside in the United States.

  • Add your debit or credit card to your Shop Pay account.


Checking eligibility has no impact to credit.


For Shop Pay installments, Affirm will not report to credit bureaus.


The following limitations currently apply to paying in installments with Shop Pay:


  • You can't pay for an order in installments if the order includes currency in any form, including virtual and digital currency, like gift cards.​


  • To qualify, orders need to be between $50 and $1000 USD, inclusive of shipping and taxes.​​​


  • If you change your phone number or email within Shop Pay, then you also need to update your information with Affirm before you can pay for another purchase in installments with Shop Pay.


Pay in installments with Shop Pay

After you set up Shop Pay, you see the option to pay in installments with Shop Pay when you check out from a participating store with an eligible order.


If you haven’t added a debit or credit card to your Shop Pay account, then you can do so during checkout and it’s saved for future purchases.


Affirm's underwriting systems determine whether your first payment is due at checkout or 2 weeks after your purchase. ​


The next 3 remaining installments are automatically charged to your card saved on Shop Pay every 2 weeks.

Manage payments for installments with Shop Pay

You can log in to Shop Pay to view your order history and payment status for orders that are paid in installments with Shop Pay.


Example of a loan

A $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks.


Disclosure Statement

Rates from 0%-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers affirm.com/licenses.