Payment Plans

Invest with ease over 3, 6, 12-month payments 

with Shop Pay by Affirm

Rates range from 0-36% APR.


Installments are made possible ShopPay with Affirm. 

Below are example plans. 

Easy Terms

No Impact to Credit Score

Your credit scores aren't impacted if your purchase is split into 4 bi-weekly payments using Shop Pay Installments. 

If your purchase is split into monthly payments, then your payments may be reported to a credit bureau.

Payment Plans

3, 6, or 12-month terms

Rates from 0-36% APR

No impact to your credit score to apply

No Late Fees or Interest

For purchases split into 4 bi-weekly payments, there are no additional charges or interest rates applied. 


Purchases split into monthly payments may be subject to interest. You can pay your balance off early without penalty.

There are no late fees. However, partial or late payments may affect your ability to use Shop Pay Installments in the future.


How to pay securely with Shop Pay Installments 



  1. Fill your cart, then choose Shop Pay at checkout.
  2. Choose to pay in installments and tap Continue.
  3. Select the installments option that best suits you.
  4. Choose a debit or credit card to use for payment, then tap Continue.
  5. Follow the steps to verify your identity—this usually takes just a few moments.
  6. If you agree to the terms, click Agree, then tap Authorize purchase.
  7. Enter the 6-digit verification code that was sent to your phone.


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. More options may be available upon approval. State notices to consumers: affirm.com/licenses.