Purchases between $50 USD and $30,000 USD are eligible for Shop Pay Installments. 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 0-36% APR, with no hidden or late fees.

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.

Shop Pay Installments is available for purchases made using a credit and debit card. Capital One and Chase credit cards aren't accepted. If you choose a monthly payment option you can only pay with a debit card.

For purchases split into 2 or 4 bi-weekly payments, there are no additional charges or interest rates applied. Purchases split into monthly payments may be subject to interest.

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.

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.