Answers re: Shop Pay Installments

For installments orders that are split into 4 biweekly payments, there are no additional charges, interest rates, or late fees.

If the customer chooses to pay for their order in 4 installments, then their credit score isn't impacted. If a customer doesn't make their payments on time, then their credit score might be affected. Only monthly payment options might impact a customer's credit score.

Shop Pay Installments is available only for orders between 50 USD and 3,000 USD, including discounts, shipping, and taxes. The customers pay for these orders in four bi-weekly, interest free payments.

Shop Pay Installments can't be customized for each product because Shop Pay Installments is available for all products in our store within the eligible price range, excluding gift cards and subscription products.

Customers can't buy gift cards using Shop Pay Installments. 

Customers can't buy subscription products using Shop Pay Installments.

Shop Pay Installments is available for purchases made using a credit and debit card. Capital One cards aren't accepted.

Choose Shop Pay at checkout for carbon-neutral deliveries at no extra costs.

For further information about managing your account and payments with Shop Pay, please refer to the Installments Help Center.

Rates from 0% APR or 10-30% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: [affirm.com/lenders](http://affirm.com/lenders). Options depend on your purchase amount, and a down payment may be required. State notices to consumers [affirm.com/licenses](http://www.affirm.com/licenses).

Compliant with various regulations, including: state and federal fair lending laws, the Equal Credit Opportunity Act, Truth in Lending Act, Telephone Consumer Protection Act, CAN-SPAM, and the FTC’s Advertising and marketing Rules, including endorsement guidelines, and Full Disclosure requirements. 

Shop Pay Installments is a consumer credit product. Fair lending applies to the entire lifecycle of a loan, including advertisement of the credit product. The Equal Credit Opportunity Act (ECOA) is a regulation that implements fair lending laws.

If you finance your purchase with Affirm, your first payment is due approximately two weeks after your purchase is finalized. Please budget and order accordingly.