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—with 0% interest, no hidden or late fees, and no impact on your credit score.* In some instances, your first payment is due when you make your purchase; otherwise, your first payment is due 2 weeks after your purchase.

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

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.

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

• For questions about installment payments on Shop Pay, visit shop.affirm.com/help.

• For questions about Shop Pay or the Shop App, visit shop.app/help/shop-pay.