Buy now, Pay Later

loans up to $20,000

Rates from 0% APR or 10-36% APR. 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.

select shop pay at checkout

choose between
 4 interest-free payments every 2 weeks
• Monthly installments up to 12 months 

For instance, a $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.

Credit scores and eligibility: Your credit scores aren't impacted if your purchase is split into 4 bi-weekly payments using Shop Pay Installments. If your purchase is split into monthly payments, then your payments may be reported to a credit bureau.

Download the App

accelerate the checkout process with the shop pay app

Affirm apple app
Affirm App Google Play

If you finance your purchase with Shop Pay Installments, your first payment is due approximately two weeks after your purchase is finalized. Please note that in the event of extended delivery times, your loan payment(s) may be due before you receive your purchase.

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  Progressive LeasingSnap FinanceAffirm  Learn more   SHOP PAY   
Use at checkout / /
Approval amountN/Aup to $5,000up to $20,000up to $20,000
Down Payment$49 initial payment (plus tax) is
charged at lease signing. Remaining lease payments are determined upon item selection.
$39 processing fee or $10 initial payment may be requiredA down payment may be requiredFirst payment may be due at checkout
Our takePros:
• Offered by a number of large retailers
 (Best Buy, Overstock.com)
• Low monthly payments
• Approval rates
• Mobile App
• 90-Day Purchase Option*

Cons:
• Inability to use at checkout


*Standard agreement offers 12
months to ownership. 90-day purchase options cost
more than the retailer's cash price (except 3-month
option in CA). To purchase early call 877-898-1970.
Pros:
• Business model centered around customer service
• High approval rates
• low monthly payments
• 100-Day purchase option

Cons:
• Inability to use at checkout
4 Interest-Free Payments

Pros:
• No late fees, No hidden fees, No interest
• No impact to your credit score
• (4) Bi-weekly payments

Cons:
• Payments can only be paid using a debit card or checking account


Monthly Installments

Pros:
• High approval amount
• 3, 6, or 12 month payment options (sometimes even longer)
• No prepayment fees or late fees
• Down payment and monthly installments can sometimes be made using a credit card

Cons:
• Interest bearing (up to 36% APR)

Other Notable Pros:  Affirm app, automatic payments, pay by check, virtual card to use in-store or online, Affirm Debit+ card

4 Interest-Free Payments


Pros:
• No late fees, No Interest, No impact to your credit score (negative marks only limit future use of Shop Pay)
• (4) bi-weekly payments
• Payments can be made using a debit or credit card


Monthly Installments


Pros:
• High approval amount
• 3, 6, or 12 month payment options

Cons:
• Interest bearing (up to 36% APR)
• Payment schedules cannot be changed


Other Notable Pros: 
Shop Pay App, automatic payments, no prepayment fees

Other Notable Cons: 
Payments cannot be made with Capital One credit cards or pre-paid debit/credit cards
 BBB ratingNRNRA+NR