Buy Now, Pay Later with Shop Pay

Shop Pay offers flexible payment options, allowing you to either pay in full at checkout or split your purchase into regular payments with Shop Pay Installments, available both online and in-store.

How It Works:

  1. Add items to your cart.
  2. Check out with Shop Pay.
  3. Choose your payment plan (subject to availability):
  • Pay in 4: Enjoy interest-free payments every 2 weeks with no impact on your credit score.
  • Pay in 6 Months: Eligible individuals may enjoy 6 monthly interest-free payments.
  • Pay Monthly: For purchases between $150 and $17,500, select 6, 12, or 24-month terms with rates from 10-36% APR. Applying has no impact on your credit score.

Your first payment is due at checkout, with remaining installments automatically (optional) charged to your saved card. You'll receive an email reminder before each payment is due.

Late Fees:
There are no late fees if you miss a scheduled payment.

Paying in Installments:
When checking out with Shop Pay, you have the option to pay immediately or later. Paying in installments allows you to split your purchase into equal payments without hidden or late fees.
*Rates range from 0%-36% APR. Payment options through Shop Pay Installments are subject to eligibility checks and provided by lending partners at Options depend on your purchase amount, and a down payment may be required. For state notices to consumers, visit

Returns and Refunds:
If your refund amount is less than the remaining balance on your Shop Pay Installments, you can expect:

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

If your refund amount is more than the remaining balance, you'll receive the difference as a refund to your original payment method within 3 to 10 business days.

Accepted Payment Methods:
The installments option on Shop Pay is available for debit and credit cards.

Have More Questions?

  • For questions about installment payments, visit
  • For questions about Shop Pay or the Shop App, visit