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Buy Now, Pay Later with Shop Pay

When you checkout with Shop Pay you have the option to pay now or later by splitting your purchase into 4 equal payments. 

Buying with Shop Pay is simple 

1. Fill your cart

2. Complete your purchase

3. Pay over time (for more details see detailed instructions using Shop Pay Installments)

Just select Shop Pay at checkout

Say yes with confidence
When you buy with Shop Pay, you always know exactly what you'll owe and when you'll be done paying. You'll never pay a hidden fee—or any fee, for that matter.

Never pay more than the price of your purchase.

It only takes a moment, and checking your eligibility won't affect your credit score.

Shop Pay won't charge you late fees or penalties of any kind, ever.

Detailed Instructions Using Shop Pay Installments

  1. Add items to your cart.
  2. Checkout using Shop Pay.
  3. In the Payment method section, choose to pay for your order in 4 installments.
  4. Select a debit or card card to use as your payment method.
  5. Confirm your billing and shipping information is correct.
  6. Note: Your address needs to be in the United States.
  7. Click Continue.
  8. If required, enter the 6-digit code sent by Shop Pay to your phone.
  9. 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. You’ll be presented with one of the following options:
  • Make your first payment at checkout
  • Make your first payment 2 weeks after the purchase was made
The 3 remaining payments are automatically charged to your debit or credit card every 2 weeks after the first payment. You’ll get an email reminder before each payment is charged in case you want to change your payment methods.


Can I pay off my purchase early?
Yes! There's no penalty for paying early.

How do I make payment?
You can make or schedule payments at or in the Affirmapp for iOS or Android. Affirm will send you email and text reminders before payments are due.

Does checking my eligibility affect my credit score?
Nochecking your eligibility won't affect your credit score.

Can I return an item I bought with Shop?
Yes, you can return an item you bought with Affirm by initiating the return process with the store.

Do I need a mobile number to use Shop Pay?
Yes, you'll need a mobile number from the U.S. or U.S. territories. This helps Affirm verify it's really you who is creating your account and signing in.

Where can I learn more about Shop Pay powered by Affirm?
You can visit their website at

For question about Shop App, visit

Legal Information

Payment options are offered by Affirm, are subject to an eligibility check, and may not be available in all states. Options depend on your purchase amount, and a down payment may be required. California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681

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