Finance Options

Shop Pay Installments

Four - Buy Now, Pay Later


Snap Finance


Shop Pay offers you the option to pay in full at checkout, or to split your purchase into regular payments with Shop Pay Installments, both online and in store. Installment options vary by store and can be used on orders over $50 USD, including discounts, shipping, and taxes.
Purchases between $50 USD to $20,000 USD are eligible for Shop Pay Installments, with options to:

Pay in 4 for purchases $50 to $999

  • Interest-free payments every 2 weeks
  • No impact to your credit score

Pay monthly for purchases $150 to $20,000

  • 3, 6, or 12-month terms
  • Rates from 0-36% APR
  • No impact to your credit score to apply
You must be over the age of 18, reside in the US, and be paying in USD to use Shop Pay Installments.

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.

Fees or penalties

For purchases split into 4 bi-weekly payments, there are no additional charges or interest rates applied. Purchases split into monthly payments may be subject to interest.

You can pay your balance off early without penalty.

There are no late fees. However, partial or late payments may affect your ability to use Shop Pay Installments in the future.


Rates from 0-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required. State notices to consumers:

For example, 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. 

Affirm is the originator and servicer of Shop Pay installments, but payments are managed in your Shop Pay account.

Receive your order up-front and pay over time.
No Credit Impact, No Credit Check.

Checkout easily with our 1 Click Checkout. No long forms and no credit check.

Use your Shopper Portal to manage your orders and payments and discover new stores.

Select FourAt Checkout

Pay easily with Apple Pay or Google Pay so you don’t need to get off the couch and find your wallet! Or input your bank issued debit or credit card.
Don't waste time with lengthy forms. You'll receive an instant decision with no impact to your credit score.
Your payments are automatically scheduled and your purchase is now on the way.

Pay in 4 interest-free installments. Budget your spending. Earn rewards when you shop. Discover thousands of brands and millions of products, online and in-store. 
Do it all in the app, easily and securely.
Get everything you need now.
Make the first payment upfront and the rest over time. Always interest-free when you pay it in 4.
We’ll send you reminders and cap late payments to help you get back on track.

Afterpay’s monthly payment product is a type of installment loan that offers you more flexible ways to pay for high-value orders. Upon approval, a 6 or 12 month interest-based repayment option may be offered. This option provides flexibility to spread out repayment on a monthly basis on items over $400. 

Use After Pay at Checkout!
You’ll love Snap’s clear and simple terms and convenient payment options. 
Apply in minutes, get a decision in seconds
• Approvals range from $300 to $5,000
• No impact to your FICO® score

Our payments plans are flexible to fit your paydays and lifestyle, with early buyout options to reduce overall cost.

Snap offers 100 days no interest, if paid in full.  

Snap offers convenient, hassle-free plans that work with your paydays including options to lower your overall financing costs.