Shop now and pay later



When choosing Shop Pay Installments, the following limitations apply:

  • You can't pay for an order if the order includes currency in any form, including virtual and digital currency, like gift cards.
  • Orders need to be between 50 USD and 17,500 USD, including shipping and taxes.
  • If you change your Shop Pay phone number, then you also need to update your phone number with Affirm before you can pay for another purchase using Shop Pay Installments.
  • Shop Pay Installments doesn't accept Capital One cards, prepaid debit cards, or prepaid credit cards.
  • If you split your order into four bi-weekly payments, then you can pay with a credit card or debit card.
  • If you pay for your order in monthly payments, then you can only pay with a debit card.

To use Shop Pay Installments, you need to have a United States billing address, and be signed up for Shop Pay. For physical products that require shipping, a US shipping address must be provided. If your cart only has digital products, then a US shipping address isn't required.

Frequently Asked Questions

Shop Pay Installments is available for purchases made using a credit and debit card. Capital One cards are not accepted. Monthly payment options can only be paid with debit cards.

Shop Pay Installments is only available to customers with a United States billing address and a United States mobile phone number. Customers with international billing addresses or phone numbers can't use Shop Pay Installments.

You can't purchase gift cards using Shop Pay Installments. If you want to purchase gift cards along with Shop Pay Installments eligible products, then you need to place two separate orders.

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

To request a refund, please see our Refund policy. After your refund is processed, the refund 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 is made with interest payments, then the paid interest isn't refunded. When you make payments, the funds are first applied to the accrued unpaid interest and then to the principal. Interest is the cost of borrowing and isn't refundable.

There are no late fees for customers who miss a scheduled payment. However, partial payments or late payments might impact your credit score, or your eligibility to use Shop Pay Installments in the future. If you have questions about a missed installment payment, then you can contact Affirm support for assistance.

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

For questions about installment payments on Shop Pay, visit

Free returns

Returns within 30 days receive a full refund.

Worldwide shipping

Ship anywhere, rates available at checkout.

24/7 support

Call us anytime at 1(800) 555-1234.