Financing Options with Shop Pay Installments

Shop Pay offers you the option to pay in full at checkout, or to split your purchase into regular payments with Shop Pay Installments, both online and in store. Installment options vary by store and can be used on all orders, including discounts, shipping, and taxes.
You can select this payment option at checkout after receiving invoice to sign in or create an account.

Payment plans

Purchases up to $17,500 USD are eligible for Shop Pay Installments, with options to:

    • Pay monthly for purchases $150 to $17,500
      • 3, 6, or 12-month terms
      • Rates from 0-36% APR
      • No impact to your credit score to apply

    Note: Minimum purchase amounts may vary by retailer.

    Eligibility requirements and credit score

    You must be over the age of 18, reside in the US, and be paying in USD to use Shop Pay Installments.

    Your credit scores aren't impacted if your purchase is split into 4 bi-weekly payments using Shop Pay Installments. If your purchase is split into monthly payments, then your payments may be reported to a credit bureau.

    Note: To use Shop Pay Installments you need a US shipping address.

    Pay Later Fees

    For purchases split into 4 bi-weekly payments, there are no additional charges or interest rates applied. Purchases split into monthly payments may be subject to interest.
    A 6% fee will be added onto order when selecting Shop Pay Installments as payment.

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