Can You Pay in 4 with Shop Pay and What to Expect

Paying in 4 with Shop Pay is a convenient option that allows you to split your purchases into four interest-free payments.

This feature is available at checkout, where you can select the "Pay in 4" option to split the cost of your purchase.

To be eligible for Pay in 4, you need to have a Shop Pay account and meet the required creditworthiness criteria.

To use Shop Pay Installments, you must be over the age of 18 and reside in the US, with a US shipping address required.

You can split your purchase amount into 4 equal, biweekly installment payments with 0% interest and no hidden or late fees.

The payment term options for purchases between $50 and $999 are 3, 6, or 12 months, with rates from 0-36% APR.

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.

Here are the payment term options for purchases between $50 and $999:

Purchases split into 4 bi-weekly payments come with no additional charges or interest rates applied.

You can pay your balance off early without penalty, which is a huge relief if you get a windfall or need to adjust your budget.

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

Paying on time and in full can help you avoid any potential issues with future payments.

Shop Pay Installments offers two payment options, including paying in full or splitting your purchase into regular payments.

You can split your purchase into regular payments, but this requires specific conditions to be met.

With Shop Pay Installments, you have the flexibility to choose how you pay for your purchases, making it easier to manage your finances.

You can now pay in installments with Shop Pay, splitting your purchase amount into 4 equal, biweekly payments with 0% interest and no hidden or late fees.

Paying in installments allows you to choose between paying now or later, giving you more flexibility when making a purchase.

Your first payment is due when you make your purchase in some instances, but otherwise, it's due 2 weeks after your purchase date.

Checking eligibility for installment payments on Shop Pay has no impact on your credit, so you can shop with confidence.

For more information about installment payments on Shop Pay, visit shop.affirm.com/help, or if you have questions about Shop Pay or the Shop App, visit shop.app/help/shop-pay.

To use installment checkout with Shop Pay, you need to register for Shop Pay and live in the United States. You can't pay for an order if it includes currency in any form, including gift cards.

Here's a step-by-step guide to using installment checkout:

1. Add items to your cart.

2. Click Shop Pay in the checkout process.

3. Select "Pay in installments" and tap "Continue to payment plans."

4. Verify any requested information and select your preferred payment plan.

5. Select a card to use as your payment method (note: monthly payments require a debit card, and credit cards are only accepted for installment plans of 4 bi-weekly payments).

Your payment schedule will be determined by the installment option you select, and you'll receive an email reminder before each payment is charged.

When you use Shop Pay Installments, rates from 0%-36% APR are possible.

A down payment may be required for these payment options.

Payment options through Shop Pay Installments are provided by lending partners, including affirm.com/lenders.

Options depend on your purchase amount.

You can check the state notices to consumers at https://www.affirm.com/licenses.