Shop Pay Installments FAQ

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 four equal monthly installments with no hidden or late fees.

Shop Pay Installments is available only to customers who reside in the United Kingdom that have a United Kingdom mobile phone number, and use a payment card with a United Kingdom billing address.

Yes. In the United Kingdom, the order value limit is £30,000 GBP including discounts, shipping, and taxes.

You can't purchase gift cards using Shop Pay Installments. If you want to purchase gift cards along with Shop Pay Installments eligible products, then you need to place two separate orders.

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

There are no late fees for customers who miss a scheduled payment. However, partial payments or late payments might impact your credit score, or your eligibility to use Shop Pay Installments in the future.

If you have questions about a missed installment payment, then visit Affirm’s Shop Pay Installments Help Center for customers in the United Kingdom.

Using our return policy, we will advise if a return is possible. If a return is possible, then we will advise how much the refunded amount will be. After your refund is processed, the refund amount will be applied to your original payment method within 3-10 business days and your balance will be updated.

If your refund is less than your total purchase balance, then 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, then the difference is returned to your original payment method within 3-10 business days.

If your order is made with interest payments, then the paid interest isn't refunded. When you make payments, the funds are first applied to the accrued unpaid interest and then to the principal. Interest is the cost of borrowing, and isn't refundable.

For more information about Shop Pay Installments, visit Affirm’s Shop Pay Installments Help Center for customers in the United Kingdom.