Financing Available: Bring Your Dream to Life Today
We understand that many of the products in our store are larger investments, and financing can make it easier to turn your dream into a reality. Stretching your budget with flexible payment options—like paying in full within six months without interest—lets you enjoy your purchase now while managing your finances responsibly.
Our trusted financial partners, Shop Pay Installments and PayPal Credit, are here to help you achieve your goals. Here’s how their financing options work:
Buying with Shop Pay Installments
Shop Pay Installments offers a simple and transparent way to finance your purchase.
- Add items to your cart (or shopping bag).
- Check out with Shop Pay.
- Choose the option to pay in installments.
Your first payment is due at checkout. The remaining payments are automatically charged to your card saved on Shop Pay based on the payment plan you chose. Don't worry, you'll get an email reminder before each payment to remind you.
Shop Pay Installments: Frequently Asked Questions
Q. What is the option to pay in installments on Shop Pay?
When checking out with Shop Pay, you now have the option to pay now or later. Paying in installments on Shop Pay allows you to split your purchase amount into four equal, biweekly installment payments with 0% APR, or monthly installments with no hidden or late fees*.
*Rates from 0-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers affirm.com/licenses.
Q. Which payment methods are accepted if I use the option to pay in installments on Shop Pay?
For non-interest bearing orders, debit and credit cards are accepted through Shop Pay. For interest bearing orders, you can only pay using a debit card.
Q. Can I use Shop Pay Installments if I'm an international customer?
Shop Pay Installments is only available to customers with a United States billing address and a United States mobile phone number. Customers with international billing addresses or phone numbers can't use Shop Pay Installments.
Q. Is there a limit to how much I can spend on a single Shop Pay Installments order?
Yes, 20,000 USD is the order value limit that applies to purchases using Shop Pay Installments, including discounts, shipping, and taxes.
Q. Can I pay in-store with Shop Pay Installments?
Yes, we offer Shop Pay Installments at our retail locations. Come visit us in store to learn more.
Q. Can I pre-qualify for a purchase amount before visiting the store?
No. An application for Shop Pay Installments can only begin with a live checkout. Applying in store only takes a few steps and you’ll get a real-time decision in minutes.
Q. Can I buy gift cards with Shop Pay Installments?
You can't purchase gift cards using Shop Pay Installments. If you want to purchase gift cards along with Shop Pay Installments eligible products, then you need to place two separate orders.
Q. Are there late fees?
No, there are no late fees if you miss a scheduled payment.
Q. What if I miss an installment payment?
There are no late fees for customers who miss a scheduled payment. However, partial payments or late payments might impact your credit score, or your eligibility to use Shop Pay Installments in the future. If you have questions about a missed installment payment, then you can contact Affirm support for assistance.
Q. What if I make a return on a purchase made through installments with Shop Pay?
To request a refund, contact the store where you purchased your item. Using their return policy, the store will advise if a return is possible. If a return is possible, then the store will advise how much the refunded amount will be. After your refund is processed, the refund amount will be applied to your original payment method within 3-10 business days and your balance will be updated.
If your refund is less than your total purchase balance, then it might not lower your next payment. Instead, you can expect fewer payments, a smaller final payment, or both.
If your refund is more than your purchase balance, then the difference is returned to your original payment method within 3-10 business days.
If your order is made with interest payments, then the paid interest isn't refunded. When you make payments, the funds are first applied to the accrued unpaid interest and then to the principal. Interest is the cost of borrowing, and isn't refundable.
Have more questions?
For questions about installment payments on Shop Pay, visit the Shop Pay website.
Buying with PayPal Credit
PayPal Credit offers another convenient financing option, giving you flexibility at checkout.
- At checkout, select PayPal as your payment method.
- Choose from options like PayPal Credit, Pay in 4, or Pay Monthly to find the plan that fits your budget.
Learn more about how PayPal Credit works by visiting PayPal website.
With these flexible financing options, you can make your purchase today while staying within your budget. If you have any questions, feel free to reach out—we’re happy to help!
