Pay in full, over time
Split any order into 4 interest-free payments, or choose a monthly plan right at checkout. No fees and no compounding interest on the interest-free option.
Available directly at Shop Pay checkout.
Checkout financing
Get it home today.
Pay your way.
Split your purchase, spread it over time, or pay it off early — three ways to check out, no surprises and no hidden fees.
Estimate your payment ↓
Monthly plans
Choose a monthly plan from 3 to 36 months. Rates as low as 0% APR based on your creditworthiness, with a fixed payment and no late fees.
Subject to eligibility — see Affirm's terms.
Four payments, zero interest
Pay for your order in 4 equal, interest-free installments — one today, then every two weeks. Applying doesn't affect your credit.
Available for eligible PayPal accounts.
Estimate your monthly payment
See roughly what each option looks like for your cart total. Final terms are always confirmed at checkout.
- Shop Pay Installments
- 4 payments of $300.00, interest-free
- Affirm*
- as low as $100.00/mo over 12 months
- PayPal Pay in 4
- 4 payments of $300.00, interest-free
* Illustrative only. Your actual Affirm rate and term are confirmed at checkout and depend on eligibility.
Common questions
Does applying affect my credit score?
Checking eligibility for Shop Pay Installments and PayPal Pay in 4 uses a soft inquiry that doesn't affect your score. Affirm may run a soft check to determine your rate, which also doesn't affect your credit score for most offers.
Can I pay off my plan early?
Yes — all three options let you pay off your remaining balance early with no prepayment penalty.
What happens if I return something bought on a plan?
Refunds are issued through whichever provider processed your payments, and any remaining scheduled payments are adjusted or canceled automatically.
Which option is right for me?
For a simple four-payment split with zero interest, Shop Pay Installments or PayPal Pay in 4 are the most straightforward. For a larger purchase you'd rather stretch out, Affirm offers monthly plans up to 36 months.