Shop Pay Installments plans

Affirm offers several Shop Pay Installments plans. The types of plans offered and your eligibility for them are determined by Affirm and are subject to change, with all available options presented during checkout. If you're eligible to use Shop Pay Installments, then you can pay  over time for orders between $35 USD to $30,000 USD. Your payment options and schedule depend on your purchase amount and a down payment may be required.

 

You cannot change the type of payment plan once you have completed your checkout. If you want to request a refund or cancellation for your order, then contact the online store directly.

 

Plan type	Purchase amount	Payment details	Interest & Fees	Credit impact	Eligibility & additional info
Pay in 2	$35−$50 USD	Two bi-weekly payments.	No interest or additional fees.	No impact on credit when you apply. Repayment behavior can impact one’s credit.	Eligible for earning and using Shop Cash.
Pay in 4	$50−$999.99 USD	Four bi-weekly payments.	No interest or additional fees.	No impact on credit when you apply. Repayment behavior can impact one’s credit.	Eligible for earning and using Shop Cash.
Monthly installments	$150−$30,000 USD	Monthly payments (number of months varies).	0%−36% APR	Payment behavior may be reported to credit bureaus.	Repayment period options displayed at checkout.
Over $20,000.01 USD	$20,000.01−$30,000 USD	Down payment required, monthly installments.	0%−36% APR	Payment behavior reported to credit bureaus.	Down payment for purchase amounts that exceed $20,000 USD, with the remaining balance split into 3, 6, or 12 monthly installment payments depending on the options available at checkout.   For example, you pay for a $25,000 USD order using Shop Pay Installments. At checkout, you pay a down payment of $5,000 USD, and then pay for the remaining $20,000 USD in monthly installment payments.