When you choose Shop Pay Installments at checkout, you're applying for a loan through Affirm. If approved, then your purchase will be split into several smaller payments. You'll make your payments to Affirm, either bi-weekly or monthly, depending on the plans available for you to choose at checkout.

Shop Pay Installments is offered in partnership with Affirm, who services your loan.

Depending on where you make your purchase, a down payment may be required at the time of checkout. You can also choose to pay off your loan early without any penalties. For interest-bearing loans, you can save on interest fees when you pay off the remaining balance early.

After you apply for Shop Pay Installments,Affirm will review your application. You'll receive an email from Affirm (shoppay@shop.affirm.com) to the email address you use for Shop Pay, letting you know whether you're approved. This email might go to your spam or junk folder, so remember to check those folders too.

If you're not approved, then the email will explain why and might include next steps, if applicable. Keep in mind that you may be approved the next time you apply, as your eligibility is determined by Affirm on each individual purchase attempt.

If you're approved, then your payment schedule displays in the Shop app, and you'll receive email and SMS text reminders (if applicable) before each payment. You can also turn on push notifications in the Shop app. You can view and manage your Shop Pay Installments orders in the Shop app.

You can't customize your payment schedule, but you can make early payments. You can also make manual payments in the Shop app or in your Shop account from your browser.

You can check whether you’re eligible for the Shop Pay Installments directly from a store's product page. You need to sign up or log in to your Shop Pay account to check your eligibility for Shop Pay Installments.

If you’re eligible for Shop Pay Installments, then your purchasing power and all of the available installment payment options are displayed for eligible products. Choose your installment payment option at checkout.

You can check your eligibility for Shop Pay Installments from a store's product page.

Steps:

1. Go to the product that you want to buy.
2. Click Check your purchasing power.
3. Click Check if you qualify.
4. Sign up or log into your Shop Pay account.
5. Review the available installment payment options, and then click Continue to checkout.
6. Select your payment option, and then complete your checkout.