Buy Now Pay Later

Buy now, pay later with Shop Pay

Give our customers the flexibility to split their purchases into 4 equal payments with 0% interest, no fees, and no impact to their credit scores—and increase conversion by up to 50%.

1.Add to Cart

Choose your product and add to cart

2.Choose to Pay with Shop Pay

Select Shop Pay as your payment method

3.Receive Your Items

Fast shipping & fun riding

4.Pay Over Time

It doesn’t get any easier.

Pay now or later, it’s up to you.

Check out with Shop Pay and choose whether you pay in full or 4 equal installments* at participating stores.

Maximize your budget with installments
Make debit or credit card payments every two weeks or turn on automatic payments.

Get the goods without the bad
No hidden fees, no interest, no late fees, and no impact on your credit score.

*Payment options are offered by Affirm and are subject to an eligibility check. Not available in New Mexico. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lender license.

Plant trees at no extra cost

Join the Shop Pay community
Choose Shop Pay at checkout and help them plant 4.6M trees by 2022.

Reduce your delivery impact
The trees we plant will capture enough CO₂ in their lifetime to offset Shop Pay deliveries.


Yes, when you first create an Shop Pay account, we perform a ‘soft’ credit check to help verify your identity and determine your eligibility for financing. This ‘soft’ credit check will not affect your credit score. If you apply for more loans with Shop Pay, we may perform additional ‘soft’ credit checks to ensure that we offer you the best financing options possible.

We aren't always able to approve financing for the full amount of a purchase. When this happens, you will have the option of using a debit card to pay for the rest of your purchase. Regrettably, the down payment amount can’t be changed.

Shop Pay sometimes needs more information about your financial situation to evaluate your loan application. We may ask you to link your online checking account, which helps us determine your ability to repay a loan. If you’re prompted to link your checking account and would like to continue with the application process, you may securely link your account by providing the login information for your bank account. We may refresh your bank account information periodically, but you can unlink your account at any time in your Shop Pay account settings.

For more information about Shop Pay, Please visit Shop Pay Help Center.