Financing

Pay Over Time with Shop Pay

When you choose Shop Pay at checkout,
you can split your purchase into flexible installment payments.

Quick Decision, Flexible Payments

Split your purchase amount into equal payments with 0% APR — with no hidden or late fees, ever.

Quick Decision

Get a real-time decision on your eligibility, right at checkout.

Easy Payments

Split your purchase into easy bi-weekly or monthly payments.

No Surprises

No late fees, ever. Prepay any time with no penalty.

How it works

Add items to your cart and head to checkout.

Choose Shop Pay and select the option to pay in installments.

Your first payment is due at checkout — the rest are charged automatically, with an email reminder before each one.

Check your eligibility in seconds right at checkout

Start Shopping

Shop Pay Installments FAQ

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 lets you split your purchase into four equal, biweekly payments with 0% APR, or a longer monthly plan.

Which payment methods are accepted?

Debit and credit cards are both accepted for the four-payment, 0% APR plan. Monthly installment plans that carry interest can only be paid with a debit card.

Are there late fees?

No, there are no late fees if you miss a scheduled payment. However, missed or partial payments may impact your credit score or future eligibility.

What if I return a purchase made with installments?

Contact the store where you purchased your item. Once your return is approved and processed, your refund is applied to your original payment method and your remaining balance is updated.