When checking out with Shop Pay, you now have the option to pay now or later. Paying in installments on Shop Pay allows you to split your purchase amount into four equal, biweekly installment payments with 0% APR, or monthly installments with no hidden or late fees*. *Rates from '0% APR or 10-36% APR" Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers affirm.com/licenses.

After your refund is processed, the refund amount will appear on your payment schedule 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 monthly payments, then the paid interest isn't refunded. Interest is the cost of borrowing, and isn't refundable.

The installments option on Shop Pay is available on debit cards only.

Yes, 17,500 USD is the order value limit that applies to purchases using Shop Pay Installments, including discounts, shipping, and taxes.

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.