Financing

Get one today, pay later

Freedom cannot wait, but payment can. That is why we have partnered with Shop Pay– to give you a no-stress way to say yes today and pay overtime. Checking your eligibility will not affect your credit score.

Advantages

Convenient

No need to wait. Buy the things you love today and make easy monthly payments.

Flexible

The option to pay overtime is available to most customers with Shop Pay.

Transparent

Know exactly what you’ll pay up front, without any surprises.

Here is how it works

We have partnered with Shop Pay to give you a simple way to make that special purchase with no hidden fees.

Easy Monthly Payments

Provide some basic information and get instant loan decisioning to split your purchase into 3 or 12-month payments. (Rates from 0% APR or 10-36% APR)

$800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks.

Flexible Repayment

Simply pay your monthly bill using a debit card at Shop Pay.

Just provide a few pieces of information and get an instant decision.

Easy safe to apply. All data is handled via bank encryption.

How Do I Get Started?

Select Shop Pay as your payment method while checking out.

SELECT SHOP PAY AT CHECKOUT​​

Then just enter a few pieces of information for a real-time decision. Checking your eligibility won’t affect your credit score.

CHOOSE HOW TO PAY

Select the payment schedule you like best, then confirm your loan. You’ll never be charged more than you see upfront.

MAKE EASY MONTHLY PAYMENTS

Just download the Shop app or sign in at shop.app to make payments. You’ll get email and text reminders whenever a payment’s coming up. With Shop Pay there will never be late fees or surprises.

EASY THREE STEPS
Choose Your Product

Once you’ve selected the products you would like to order, simply add them to your shopping cart.
Choose Shop Pay at Checkout

Select the Shop Pay option on the product page or at check out.

Choose a Payment Plan

Select a monthly payment plan that works best for you and your finances.

 

FAQ

What is Shop Pay?

Shop Pay is a financing alternative to credit cards and other credit-payment products, offering real-time financing for online purchases. With Shop Pay, you receive your purchase immediately and pay for it in fixed monthly installments.

Why Buy with Shop Pay?

Immediate Ownership: Acquire and enjoy your purchase now, paying for it over an extended period. This process breaks down the price into manageable payments fitting your monthly budget.

Transparent Terms: Upon approval, Shop Pay informs you of all loan terms before making any purchase. This includes the monthly payment amounts, the number of payments required, and the total interest over the loan duration.

No Hidden Fees: Shop Pay guarantees transparency with zero undisclosed fees.

Real-Time Approval: The application process is both secure and instant. Within seconds, Shop Pay provides details on the loan amount, interest rate, and payment terms.

No Credit Card Needed: A credit card isn't necessary for purchasing with Shop Pay.

Who is eligible for Shop Pay Installments?

You should possess a United States billing address and be a registered member of Shop Pay.

Orders should be between 50 USD and 17,500 USD, inclusive of shipping and taxes.

Physical product orders mandate a United States shipping address. However, for digital-only orders, there's no requirement for a U.S. shipping address.

Four bi-weekly payment orders need a supported credit or debit card, whereas monthly installment orders demand a supported debit card.

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's lending partners . Options depend on your purchase amount, and a down payment may be required. State notices to consumers www.affirm.com/licenses.

Does Shop Pay perform a credit check?

Yes. When initiating a Shop Pay account, a 'soft' credit check is executed for identity verification and to determine financing eligibility. This check won't affect your credit score.

How do I make payments using Shop Pay?

It's simple. Just process your payments directly through Shop Pay.

Are there any interest or fees associated with Shop Pay loans (like late fees)?

Shop Pay loans range from 0% APR to 10-36% APR in simple interest. The only fee linked to a Shop Pay loan is the finance charge. Shop Pay promises no late fees, service fees, prepayment fees, APR penalties, or any hidden fees for tardy payments.

Is Shop Pay secure?

Undoubtedly. Shop Pay ensures top-notch security, adhering to rigorous PCI standards. Both your account and payment details are encrypted from start to finish.