💳 Shop Pay Installments – FAQs

Shop Pay Installments is a payment option that may allow an eligible customer to divide a qualifying purchase into biweekly or monthly payments.

Payment options are provided through Shop Pay Installments and its lending partners. InspiredGrabs™ remains responsible for the merchandise order under its store policies, while the installment provider handles eligibility, financing, payment schedules, and loan-account servicing.

For an InspiredGrabs™ order, the customer must generally have a U.S. billing address, be signed up for Shop Pay, place an otherwise eligible order from $35 to $30,000 including discounts, shipping, and taxes, and satisfy the provider's eligibility requirements.

Eligibility is checked for the individual transaction. Having used Shop Pay or Shop Pay Installments previously does not guarantee approval or the same terms on a later purchase.

Review the official Shop Pay Installments eligibility and requirements for further details.

For U.S. customers, Shop Pay Installments is available only for eligible orders from $35 to $30,000 USD, including discounts, shipping, and taxes.

InspiredGrabs™ cannot change this range. Availability within the range is not guaranteed, and some orders may require a down payment.

• $35–$50: two biweekly, interest-free payments
• $50–$999.99: four biweekly, interest-free payments
• $150–$30,000: monthly payments, generally over 3, 6, 12, 18, or 24 months depending on the purchase amount, with rates from 0–36% APR where available

The customer sees only the plans for which the transaction is eligible. The exact offer and disclosures displayed at checkout control.

Two- and four-payment biweekly plans are interest-free. Monthly plans may have rates from 0–36% APR, subject to eligibility and applicable limitations.

Aside from any disclosed interest, Shop Pay Installments does not charge customers additional charges or late fees. Always review the APR, payment schedule, total repayment amount, and all other terms before accepting a plan.

Creating a Shop Pay Installments account does not itself affect your credit score. However, using Shop Pay Installments may affect your credit score or credit rating based on factors that can include making the purchase, your payment history with Affirm, the amount of credit used, and how long you have had credit.

Late or partial payments may also affect your credit or your future eligibility to use Shop Pay Installments. InspiredGrabs™ cannot predict or advise how a particular plan will affect an individual customer's credit.

No. Payment options are subject to an eligibility check. Approval, available plans, APR, payment amount, term length, spending amount, and down-payment requirements are determined by Shop Pay Installments and its lending partners—not InspiredGrabs™.

No. Shop Pay Installments cannot be customized product by product. It may be available for eligible products within the applicable order range, excluding gift cards and subscription products.

No. Gift cards and subscription products are not eligible for purchase through Shop Pay Installments.

In the United States, eligible installment purchases may be paid using supported credit or debit cards. Capital One and Chase credit cards are not accepted. Monthly payment plans require a debit card.

The provider determines whether a particular card or payment method is accepted.

The return must first qualify under the InspiredGrabs™ Returns & Refund Policy. After InspiredGrabs™ processes an approved refund to the original payment method, the refund is applied to the Shop Pay Installments balance.

• If the refund is less than the remaining balance, the final payment may be reduced, the number of remaining payments may decrease, or both may occur.
• If the refund exceeds the remaining balance, the difference is returned to the original payment method.
• Interest already paid on a monthly installment loan is not refundable.

Continue making scheduled payments until Affirm confirms that the payment schedule or balance has changed.

No. A refund issued as store credit or a gift card does not change the customer's payment schedule or balance with Affirm. The customer remains responsible for all remaining payments under the original schedule.

When an approved refund is intended to adjust an installment balance, it must be processed back to the original payment method.

No. An order paid through Shop Pay Installments cannot be edited. If a change is necessary and allowed under the applicable store policy, the original order may need to be refunded and a new order created.

An invoice is created for the additional outstanding amount. That balance must be paid in full using another accepted payment method because Shop Pay Installments does not support additional invoices.

Shop Pay Installments does not charge a late fee for a missed scheduled payment. However, a missed, partial, or late payment may affect your credit or your eligibility to use Shop Pay Installments in the future.

For assistance with a payment, contact Affirm through the official Shop Pay Installments Help Center rather than InspiredGrabs™.

• Product, order, return, or merchant-refund questions: contact InspiredGrabs™ customer support.
• Eligibility, approval, loan, scheduled-payment, payment-method, or installment-account questions: visit the Affirm Shop Pay Installments Help Center.
• Shop Pay or Shop app questions: review the official Shop Help Center.