Pay over time with Shop Pay.

Shop Pay Installments

Q: What if I return something I paid for in installments?

To request a refund, get in touch with us . We’ll confirm whether a return is possible under our returns policy and how much will be refunded. Once your refund is processed, it’s applied to your original payment method within 3 to 10 working days and your balance is updated. If your refund is less than your total purchase balance, it might not lower your next payment. Instead, you can expect fewer payments, a smaller final payment, or both. If your refund is more than your purchase balance, the difference is returned to your original payment method within 3 to 10 working days. If your order is made with interest payments, the paid interest isn’t refunded. Payments are applied first to any accrued unpaid interest, then to the principal. Interest is the cost of borrowing and isn’t refundable. Still got questions? Visit Affirm’s UK Help Center for more on Shop Pay Installments.

Real-time decision: Get a real-time decision on your eligibility. 0% APR Representative.

Easy payments: Split your purchase into monthly payments.

No surprises: No late or hidden fees.

Shop Pay Installments offers credit in partnership with Affirm as lender. Affirm provides unregulated credit, subject to a credit check and minimum spend, which may vary. Terms apply. UK residents only, 18 and over with a debit card. A deposit is required at checkout. Missed payments could affect your financial status.

How It Works

Add items to your shopping bag.
Check out with Shop Pay.
Choose the option to pay in installments.

Your first payment is due at checkout. The remaining payments are automatically charged to your card saved on Shop Pay, based on the payment plan you chose. You’ll get an email reminder before each payment.

Frequently Asked Questions

What is the option to pay in installments on Shop Pay?

When checking out with Shop Pay, you have the option to pay now or later. Paying in installments on Shop Pay allows you to split your purchase amount into monthly installments with no hidden or late fees.

Which payment methods are accepted?

Debit cards are accepted as a payment method for Shop Pay Installments orders.

Can I use Shop Pay Installments if I live outside the UK?

Shop Pay Installments is available only to customers who live in the United Kingdom, have a UK mobile phone number and use a payment card with a UK billing address. Learn more about eligibility on the Shop Help Center.

Is there a limit to how much I can spend on a single order?

Yes. The order value limit for Shop Pay Installments is £30,000, including discounts, delivery and taxes.

Can I pre-qualify before I place an order?

No. An application for Shop Pay Installments can only begin with a live checkout. It only takes a few steps and you’ll get a real-time decision on your eligibility.

Can I buy gift cards with Shop Pay Installments?

You can’t purchase gift cards using Shop Pay Installments. If you want to buy gift cards along with other items, you’ll need to place two separate orders.

Are there late fees?

No. There are no late fees if you miss a scheduled payment.

What if I miss an installment payment?

There are no late fees if you miss a scheduled payment. However, partial or late payments might affect your credit score, or your eligibility to use Shop Pay Installments in the future. If you have questions about a missed payment, visit Affirm’s Shop Pay Installments Help Center.

What if I return something I paid for in installments?

To request a refund, get in touch with us. We’ll confirm whether a return is possible under our returns policy and how much will be refunded. Once your refund is processed, it’s applied to your original payment method within 3 to 10 working days and your balance is updated.

If your refund is less than your total purchase balance, it might not lower your next payment. Instead, you can expect fewer payments, a smaller final payment, or both.

If your refund is more than your purchase balance, the difference is returned to your original payment method within 3 to 10 working days.

If your order is made with interest payments, the paid interest isn’t refunded. Payments are applied first to any accrued unpaid interest, then to the principal. Interest is the cost of borrowing and isn’t refundable.

Still got questions? Visit Affirm’s UK Help Center for more on Shop Pay Installments.

Credit is offered by Shopify International Ltd. (FRN: 1031087) in partnership with Affirm UK Limited. Shopify International Limited is an Appointed Representative of Affirm U.K. Limited, trading as Affirm, which is authorized and regulated by the Financial Conduct Authority (FRN: 756087). Affirm’s company number is 10199101 and its registered office is at C/O TMF Group, 1 Angel Court, 13th Floor, London, EC2R 7HJ.