Installments with Shop Pay

Shop Pay offers flexible payment options to make your purchases more manageable. Choose to pay in full at checkout, or split your purchase into regular payments with Shop Pay Installments.

Pay in 4 for Purchases $50 to $999

  • Interest-free payments every 2 weeks

  • No impact to your credit score

Pay Monthly for Purchases $150 to $20,000

  • Choose from 3, 6, or 12-month terms

  • Rates from 0-36% APR

  • No impact to your credit score to apply

Note: Minimum purchase amounts and offers may vary by retailer.

Terms of Service

Learn more about Affirm’s terms of service or Shop’s terms of service.


Rates range from 0-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required. For state notices to consumers, visit

For example, a $800 purchase could be split into:

  • 12 monthly payments of $72.21 at 15% APR, or

  • 4 interest-free payments of $200 every 2 weeks.

Affirm is the originator and servicer of Shop Pay Installments, but payments are managed in your Shop Pay account.