Financing

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 the card saved on Shop Pay based on the payment plan you choose. You’ll also get an email reminder before each payment.

Quick decision, flexible payments, no late fees

• Quick decision: Get a real-time decision on your eligibility.
• Easy payments: Split your purchase into easy bi-weekly or monthly payments.
• No surprises: No late or hidden fees.

Frequently asked questions

What is the option to pay in installments on Shop Pay?

When checking out with Shop Pay, you 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.

Which payment methods are accepted if I use the option to pay in installments on Shop Pay?

Debit cards are accepted as a payment method for Shop Pay Installments orders. In some cases, credit cards might also be available for certain Shop Pay Installments orders.

Can I use Shop Pay Installments if I’m an international customer?

Shop Pay Installments is available only to customers who reside in the United States, Canada, or the United Kingdom, have a supported mobile phone number, and use a payment card with a supported billing address.

Is there a limit to how much I can spend on a single Shop Pay Installments order?

Yes. In the United States, the order value limit is $30,000 USD, including discounts, shipping, and taxes.

Can I pay in-store with Shop Pay Installments?

Yes, we offer Shop Pay Installments at our retail locations.

Can I pre-qualify for a purchase amount before visiting the store?

No. An application for Shop Pay Installments can only begin with a live checkout. Applying in store only takes a few steps and you’ll get a real-time decision in minutes.

Can I buy gift cards with Shop Pay Installments?

No. Gift cards can’t be purchased using Shop Pay Installments. If you want to purchase gift cards along with Shop Pay Installments-eligible products, then you’ll need to place two separate orders.

Are there late fees?

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

What if I miss an installment payment?

There are no late fees for missed scheduled payments. However, partial or late payments might impact your credit score or your eligibility to use Shop Pay Installments in the future.

What if I make a return on a purchase made through installments with Shop Pay?

To request a refund, contact us according to our return policy. If a return is approved, the refunded 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 included interest-bearing payments, then paid interest isn’t refunded.