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.

To pay with Shop Pay Installments online:

1. Add items to your cart.
2. Check out using Shop Pay.
3. Enter the code sent to your mobile phone number.
4. Confirm that your billing and shipping information are correct and in the United Kingdom.
5. In the Payment option section, select 'Pay in instalments'.
6. Enter your debit card information to use as your payment method and click on 'Continue to payment plans'.
7. Verify the requested information, tick the boxes underneath and select your preferred payment plan.
8. Click 'Complete Purchase'.

Your payment schedule will be determined by the instalment option you select, and you’ll get an email reminder before each payment is charged in case you want to change your payment method.

If you didn't get approved for Shop Pay Installments, then check your email inbox for an email from Affirm. This email provides more information about your application. Keep in mind that you might be approved the next time you apply.

If you can't find the email, then:

• Confirm you're checking the same email account that you use for Shop Pay.
• Check other email folders, such as your Spam or Junk folder.

Instalments

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. Instalment options vary by store and can be used on orders over £50, including discounts, shipping and taxes.

Eligibility requirements and credit score

You must be 18 years of age or above and eligible to apply for credit in the UK to use Shop Pay Installments.

Checking your eligibility will not affect your credit. Once payment plan terms are accepted, your payments may be reported to a credit bureau.

Note: To use Shop Pay Installments, you need a UK shipping address.

Fees or penalties

Purchases split into monthly payments may be subject to interest. You can pay your balance off early without penalty. There are no late fees. However, partial or late payments may affect your ability to use Shop Pay Installments in the future.
 

Restricted items

There are some items that you can’t use Shop Pay Installments to purchase, including, but not limited to:

• Illegal items and activities
• Ammunition, firearms, certain firearm parts or accessories, and certain weapons or knives regulated under applicable law
• Narcotics, steroids, controlled substances, quasi-pharmaceuticals or drug paraphernalia
• Currency in any form, including virtual and digital currency
• Stolen goods, including, but not limited to, digital or virtual goods; or 
• A good or service deemed unacceptable by Affirm, in our sole discretion
  
  

Terms of Service

Learn more about Affirm’s Terms of Service or Shop’s Terms of Service.
 

Disclosure

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 authorised 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.

Shop Pay Installments is offered in partnership with Affirm. Affirm is the servicer of your loan, and you can manage payments in your Shop Pay account or with Affirm directly.