How Shop Pay Installments works

When you choose Shop Pay Installments at checkout, you're applying for a loan through Affirm. If approved, then your purchase will be split into several smaller payments. You'll make your payments to Affirm, either bi-weekly or monthly, depending on the plans available for you to choose at checkout.

Shop Pay Installments is offered in partnership with Affirm, who services your loan.

Depending on where you make your purchase, a down payment may be required at the time of checkout. You can also choose to pay off your loan early without any penalties. For interest-bearing loans, you can save on interest fees when you pay off the remaining balance early.

What to expect after applying for Shop Pay Installments

After you apply for Shop Pay Installments, Affirm will review your application. You'll receive an email from Affirm (shoppay@shop.affirm.com) to the email address you use for Shop Pay, letting you know whether you're approved. This email might go to your spam or junk folder, so remember to check those folders too.

If you're not approved, then the email will explain why and might include next steps, if applicable. Keep in mind that you may be approved the next time you apply, as your eligibility is determined by Affirm on each individual purchase attempt.

If you're approved, then you'll see your payment schedule in the Shop app, in your Shop account from your browser, and you’ll receive email and SMS text reminders (if applicable) before each payment. You can also turn on push notifications in the Shop app. You can view and manage your Shop Pay Installments orders in the Shop app or the Shop Pay web portal.

You can't customize your payment schedule, but you can make early payments. You can also make manual payments in the Shop app or in your Shop account from your browser.