Shop Now. Pay Later with Shop Pay Installments
Receive Your Order while Pay Off with Shop Pay Installments of Your Choice when you check out.
Shop Pay offers you the option to pay in full at checkout, or to split your purchase into regular payments with Shop Pay Installments. Installment options vary by store and can be used on orders over $50 USD, including discounts, shipping, and taxes.
0% APR: For purchases split into 4 bi-weekly payments, there are no additional charges or interest rates applied.
15% APR: Higher Ticket purchases are split into 12 monthly payments and are subject to interest.
You can also 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.
Credit scores and eligibility
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.
To use Shop Pay Installments, your shipping address needs to be in the United States.
To pay with Shop Pay Installments:
Fill your cart, then choose Shop Pay at checkout.
Choose to pay in installments and tap Continue.
Select the installments option that best suits you.
Choose a debit or credit card to use for payment, then tap Continue.
Follow the steps to verify your identity—this usually takes just a few moments.
- If you agree to the terms, click Agree, then tap Authorize purchase.
Enter the 6-digit verification code that was sent to your phone.
Checkout experience using Shop Pay Installments
Add items to your cart.
Check out using Shop Pay.
- In the Payment method section, select Pay in installments and tap Continue to payment plans.
Verify any requested information and select your preferred payment plan.
Select a card to use as your payment method.
Note: Monthly payments require a debit card. Credit cards are only accepted as payment methods on installment plans of 4 bi-weekly payments.
Confirm your billing and shipping information is correct.
Note: Your address needs to be in the United States.
- Click Continue.
- If required, enter the 6-digit code sent by Shop Pay to your phone.
- If you agree to the terms, select the Agree checkbox and then complete your purchase. If you don’t agree to the terms and conditions, then you can’t pay using Shop Pay Installments.
After you select Shop Pay Installments, review your purchase. Your payment schedule will be determined by the installment option you select, and you’ll get an email reminder before each payment is charged in case you want to change your payment method.
WHERE CAN I FIND OUT MORE?
You can find all the details of Shop Pay Installments Help Center here