Buy now, pay later
Pay in Four Interest-free payments every 2 weeks with No impact to your credit score.
Buy now, pay over time
Shop Pay is a service that allows you to make purchases now and pay for them in four payments made every 2 weeks without any interest.
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
The right financing, the right way
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.
Eligibility requirements and credit score
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.
Note: To use Shop Pay Installments you need a US shipping address.
Quick & Easy
Pick a payment plan that suits your budget. Need new cowhides, plus a little extra time to pay? Flexible financing from Shop Pay lets you choose the payment that works best for you.
How it works
1. Checkout
Select your favorite items and add them to your cart.
2. Choose your plan
At checkout, select Shop Pay and choose the plan that's right for you. No fees, ever.
3. Pay in installments
Your purchase will be split into 4 payments, payable every 2 weeks, interest free.
