Buy Now Pay Later Service Terms

Shop Pay Installments

Shop Pay gives you the option to pay in full at checkout, or to pay for your order over time. When available, Shop Pay Installments is a great option to help you maximize your budget. Depending on your purchase amount, there are two ways that you can pay for your order in installments. You can split your purchase into four bi-weekly, interest-free installment payments. While there are no late fees for monthly installment payments, your order is subject to interest fees. Your credit score isn't affected when you apply, but it can change if you don't make your payments on time. After you make your first payment at checkout, you'll be charged either biweekly or monthly, depending on the installment payment option you chose. You'll be reminded by email and SMS text (if applicable) before each payment is charged to your card.

What's The Catch?

There's no catch. We don't charge interest, and we only charge fees if a payment fails or you need to adjust the date of your payments more than once per order. We also run a soft credit check (or "soft inquiry"), so there's no negatitve hit to your credit score.

Getting Started

If that all sounds great to you (and we hope it does), there are a few requirements to get started.

• Be 18 years of age or older.
• Have a US or Canadian phone number that can receive texts. 
• Have a working email address.
• Have a non-prepaid payment method available.
• For shoppers in the US and Canada, this can be a bank account, a debit card, or a credit card.