Shop Pay

It's Easy As 1 - 2 - 3

Shop now. Enjoy now. Pay later.

Purchases between $50 USD to $17,500 USD are eligible for Shop Pay Installments, with options to:

Option 1: Pay in 4 for purchases $50 to $999

Interest-free payments every 2 weeks

Eligibility check has no impact to your credit score.

Option 2: 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

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 four 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.

Fees or Penalties

For purchases split into 4 bi-weekly payments, there are no additional charges or interest rates applied. (Option 1)

Purchases split into monthly payments may be subject to interest. (Option 2)

You can pay your balance off early without penalty.

There are no late fees. However, partial or late payments may affect your ability to use Shop Pay Installments in the future.