We’re proud to offer more ways to pay. Get what you want in 4 interest-free payments or choose a monthly payment plan when you check out with Shop Pay. Buy today and pay in 4 or more payments starting at 0% APR.
How it works
1. Add items to your cart.
2. Check out with Shop Pay.
3. Choose the option to pay in installments.
Your first payment is due at checkout. The remaining payments are automatically charged to your card saved on Shop Pay based on the payment plan you chose. Don't worry, you'll get an email reminder before each payment to remind you.
What is the option to pay in instalments 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*.
Frequently Asked Questions: Shop Pay Installments
-
At checkout, select Shop Pay as your payment method. Once approved, you can choose either 4 bi-weekly interest-free payments or monthly installments. Your exact payment schedule will be shown before you complete the order—no surprises.
-
There’s no impact to your credit score when you choose the 4 bi-weekly interest-free option. Monthly installment plans may involve a soft credit check, which does not affect your credit score.
-
Shop Pay Installments accepts most major debit and credit cards. Gift cards cannot be used for installment payments.
-
Shop Pay Installments is currently available for customers checking out in USD ($) or GBP (£) in supported regions. If installments aren’t offered in your location, you can still checkout using Shop Pay in full.
-
Yes. Options vary based on your location and purchase amount:
$50–$999.99 USD or £50–£999.99 GBP
→ 4 bi-weekly, interest-free payments
$150–$17,500 USD or £150–£17,500 GBP
→ Monthly installments (3, 6, or 12 months at 0%–36% APR) -
Yes. You can pay early, at any time, with no penalties or extra fees.
-
No late fees, no hidden fees, ever.
-
Shop Pay will send reminders before each installment. If a payment fails, you’ll be asked to update your card details—still with no late fees.
-
Payments begin at checkout, even if the product ships later. This is standard for bespoke, made-to-order furniture.
-
Once a return is approved, your balance will be adjusted automatically. Refunds go back to your original payment method, and future installments may be cancelled or reduced depending on your remaining balance.
-
If your order is eligible for cancellation, we’ll process it and Shop Pay will update or refund any installment payments made.
-
Full lending partner details: affirm.com/lenders
State notices: affirm.com/licenses
Or just contact our support team—always happy to assist.
