Buy now, Pay Later
with Shop Pay
purchases between $50-$17,500
Payment options are offered by Affirm and are subject to eligibility check and might not be available in all states. California residents: Affirm Loan Services, LLC is licensed by the Department of Business Oversight. Loans are made or arranged pursuant to California Financing Law license.
select shop pay at checkout
choose between 4 interest-free payments every 2 weeks -or- monthly installments up to 12 months
Download the App
accelerate the checkout process with the shop pay app
Questions?
Learn more →Account
Login/Sign up →If you finance your purchase with Affirm/Shop Pay, 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.
| Progressive Leasing | Snap Finance | Affirm Learn more | SHOP PAY | |
|---|---|---|---|---|
| Use at checkout | 𝗫 | 𝗫 | ✓ | ✓ |
| Approval amount | N/A | up to $5,000 | up to $17,500 | up to $17,500 |
| 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 required | A down payment may be required | First payment may be due at checkout |
| Our take | Pros: • 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 | Pros: • Ability to use at checkout • Mobile App • Ease of use • Great for large purchases • Flexible payment options Cons: • up to 30% APR | 4 Interest-Free Payments Pros: • No late fees • No interest • No impact to your credit • Negative marks only limit future use of Shop Pay • Quick pay off • Bi-weekly payments can be made using a debit or credit card Cons: • None Monthly Installments Pros: • High approval amount • Great for large purchases Cons: • Interest bearing • Up to 30% APR • Monthly payments can only be made using a debit card |
| BBB rating | A- | A | A+ | N/A |