Shop now, pay later at 0% APR*
purchases between $50-$3,000
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.
choose shop pay at checkout
pay in full -or- split your purchase into 4 equal installments
- No interest
- No hidden fees
- No late fees
- No impact to your credit score
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 | SHOP PAY | |
|---|---|---|---|---|
| Use at checkout | 𝗫 | 𝗫 | ✓ | ✓ |
| Approval amount | N/A | up to $5,000 | up to $17,500 | up to $3,000 |
| Down Payment | $49 initial payment *The inititial payment of $49 (plus tax) is charged at lease signing. Remaining lease payments will be determined upon item selection. | $10 initial payment which will go toward the total cost of lease | A down payment may be required | Their underwriting system determines whether your first payment is due at checkout or 2 weeks after your purchase. |
| 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 90-Day Purchase Option *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 | Pros: • No fees & No interest • No impact to your credit score (negative marks only limit future use of Shop Pay) • Offered by a large number of e-commerce sites • Mobile App • Ability to use at checkout • Ease of use • Quick pay off over 4 installments Cons: • High installment payments over a short period (depending on the purchase amount) |
| BBB rating | A- | A | A+ | N/A |