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 orders over $50 USD, including discounts, shipping, and taxes.
Payment plans
Purchases between $50 USD to $20,000 USD are eligible for Shop Pay Installments, with options to:
Pay in 4 for purchases $50 to $999
- Interest-free payments every 2 weeks
- No impact to your credit score
Pay monthly for purchases $150 to $20,000
- 3, 6, or 12-month terms
- Rates from 0-36% APR
- No impact to your credit score to apply
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.
Terms of Service
Click here to learn more about Shop’s terms of service.