Buy now, pay later with Shop Pay

How It Works

  1. Add items to your cart (or shopping bag).
  2. Check out with Shop Pay.
  3. Choose to pay in 4 installments.

Your first payment is either due at checkout or 2 weeks after your purchase. The next 3 remaining installments are automatically charged to your card saved on Shop Pay every 2 weeks. Don't worry, you'll get an email reminder before each payment to remind you.

Are there late fees?

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

What is the option to pay in installments on Shop Pay?

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 4 equal, biweekly installment payments, no hidden or late fees, and checking eligibility has no impact to credit* In some instances, your first payment is due when you make your purchase; otherwise, your first payment is due 2 weeks after your purchase.

*Rates from 0%-36% APR. Payment options through Shop Pay Installments, are subject to an eligibility check and are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required. State notices to consumers

What if I make a return on a purchase made
through Installments with Shop Pay?

If your refund amount is less than the amount remaining on your Shop Pay Installments balance, then you can expect one or both of the following:

  • A smaller payment balance on the final payment.
  • Less future payments on the remaining loan balance.

If your refund amount is more than the amount remaining on your Shop Pay Installments balance, then you can expect to receive the difference as a refund to your original debit card or credit card payment method within 3 to 10 business days.

Which payment methods are accepted if
I use the option to pay Installments on Shop Pay?

The installments option on Shop Pay is available on debit and credit cards.

Have more questions?


Financing with Affirm

We also offer financing through Affirm. Here is how it works:

  • Using your smart phone or other device, go to, add items to your cart and checkout.
  • Enter your Billing Address and Shipping Address.  
  • Select your desired Shipping Method.
  • Select "Affirm -- Buy with Monthly Payments" as your Payment Method.

After you have reviewed your order, you'll be directed to Affirm's website to enter some basic personal information and get a real-time credit decision. If you're approved, Affirm will offer several payment plans. Select the one you want and click confirm to finalize the loan. Once that process is complete, you'll return to our website to finish submitting your order to us. The minimum order to qualify for Affirm is $250 and must be within the United States.

Once we receive the order, we'll process it, collect payment from Affirm, and either ship your order or have it ready for in-store pickup. Please note: We have no control over the rates or terms that Affirm offers to our customers, nor their process of approving or rejecting applications.


For more information, go to 

You can also email questions to