Buy now, pay later with Shop Pay Installments

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.

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.

Yes, $30,000 USD is the order value limit that applies to purchases using Shop Pay Installments, including discounts, shipping, and taxes.

You can't purchase gift cards using Shop Pay Installments. If you want to purchase gift cards along with Shop Pay Installments eligible products, then you need to place two separate orders.

If you finance your purchase with Affirm, your first payment is due approximately two weeks after your purchase is finalized. Please note that due to extended delivery times (for pre-ordered items, special order items, backordered items, and/or shipping and processing delays, etc), your loan payment(s) may be due before you receive your purchase.

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

To request a refund, contact the store where you purchased your item. Using their return policy, the store will advise if a return is possible. If a return is possible, then the store will advise how much the refunded amount will be. After your refund is processed, the refund amount will be applied 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, then 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, then the difference is returned to your original payment method within 3-10 business days.If your order is made with interest payments, then the paid interest isn't refunded. When you make payments, the funds are first applied to the accrued unpaid interest and then to the principal. Interest is the cost of borrowing, and isn't refundable.

For questions about installment payments on Shop Pay, visit https://shoppay.affirm.com/.