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, no hidden or late fees, and no impact on your credit score.* In some instances, your first payment is due when you make your purchase; otherwise, your first payment is due two weeks after your purchase

No, if you choose to pay in installments through Shop Pay, checking eligibility has no impact to your credit. For Shop Pay installments, Affirm will not report to credit bureaus.

The installments option on Shop Pay is available on debit and credit cards.

If we process a refund, the refunded amount will be returned to your original payment method within 3-10 business days, and your balance will be updated. If your refund is less than your total purchase balance, it might not lower your next payment. Instead, you can expect fewer payments, a smaller final payment, or both. If your refund is more than your purchase balance, the difference will be returned to your original payment method within 3-10 business days.

No, there are no late fees if you miss a scheduled payment.

You can manage all of these settings by logging in to your Shop Pay account.

For questions about installment payments on Shop Pay, please visit Shop Pay Installments Help Center.

For questions about Shop Pay or the Shop App, please visit Shop App Help Center.