To be eligible for Shop Pay Installments, customers must meet the following requirements:

• Have a billing address in the United States.
• Sign up for Shop Pay.
• The total order amount must be between $ 50and USD 20,000

For more details, refer to the Shop Pay Installments eligibility on the Shop Help Center.

There are no additional charges, interest rates, or late fees for installment orders split into two or four biweekly payments. Interest rates ranging from 6% to 36% APR apply to installment orders paid in monthly installments.

Paying your order in four biweekly installments will not affect your credit score. However, your credit score may be impacted if you choose monthly payments and fail to make them on time. Only the monthly payment option has the potential to influence your credit score.

No, Shop Pay Installments is available only for orders between $35 and $30,000, including discounts, shipping, and taxes. For orders exceeding $20,000, a down payment of the remaining balance is required upfront. For example, if your order total is $25,000, you would pay $5,000 upfront, and the remaining $20,000 would be divided into equal monthly payments with interest.

No, Shop Pay Installments cannot be customized per product. It is available for all items in our store within the eligible price range, except for gift cards and subscription products.

No. You cannot purchase gift cards using Shop Pay Installments.

No. You cannot purchase subscription products using Shop Pay Installments.

If your refund is less than the remaining balance on your Shop Pay Installments loan, one or both of the following may occur:

• Your final payment balance will be reduced.
• You'll have fewer payments remaining on your loan.

If your refund exceeds the remaining balance, the difference will be refunded to your original payment method.

For monthly installment loans, any interest already paid is non-refundable, as it covers the cost of borrowing.

If you add an item to an existing order paid through Shop Pay Installments, you will receive an invoice for the outstanding balance. This balance must be paid in full using a different payment method, as Shop Pay Installments does not support additional invoices.

Shop Pay Installments supports purchases made with credit and debit cards, except for those issued by Capital One and Chase. Only debit cards are accepted for monthly payment options.

No. Shop Pay Installments is unavailable outside of the United States.

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