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How Shop Pay Works

How Shop Pay Works

Shop ‘til you drop, pay how you like!


Pay in Full or in 4 Installments

Pay for your purchase in full or in 4 equal installments to spread the cost. Use Shop Pay on orders between $50 and $3,000, including discounts, shipping, and taxes. Note: You can’t adjust the number of installments or the price range available.


No Hidden Charges and No Penalties

You’ll pay no interest, additional charges, or late fees, so shopping is stress-free. You can also pay off your balance early without penalty. Note: Future applications to use Shop Pay Installments may be affected if you make a partial or late payment.


No Impact on Your Credit Score

Using Shop Pay Installments won’t affect your credit score, so you’ll have peace of mind with every purchase.


How to Use Shop Pay Installments:

  • Your shipping address must be in the United States
  • Simply choose Shop Pay Installments during checkout
  • Choose a credit or debit card to use for payment
  • Verify your identity and confirm your shipping and billing addresses when prompted
  • You can then choose to make your first payment at checkout or 2 weeks after purchasing
  • The remaining 3 payments are automatically charged to your card every 2 weeks after your first payment
  • You’ll get an email reminder before each payment is charged in case you want to change your payment method