When you choose Shop Pay at checkout, you can now split purchases of $50 up to $1,000 into 4 equal, 0% APR installment payments—with no additional, hidden, or late fees.* RACK HUB® covers the interest for you.

Rates from 0%-36% APR. Payment options through Shop Pay Installments, are subject to an eligibility check and are provided by these lending partners:affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumershttps://www.affirm.com/licenses.

How it works:

1. Add items to your cart.
2. Check out with Shop Pay.
3. Choose to pay in 4 installments

Your first payment will either be due at checkout or 2 weeks after your purchase. The next 3 remaining installments will be automatically charged to your card saved on Shop Pay every 2 weeks. And don't worry, you'll get an email reminder before each payment to keep you in the know.

When checking out with Shop Pay, you now have the option to pay now or later. Paying in installments on Shop Pay allows you to split your purchase amount into 4 equal, biweekly installment payments—with 0% APR no hidden or late fees, and no impact on your credit score.* In some instances, your first payment is due when you make your purchase; otherwise, your first payment is due 2 weeks after your purchase.

The installments option on Shop Pay is available on debit and credit cards.

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

If we process a refund, the refunded amount will be returned 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, 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 will be returned to your original payment method within 3-10 business days.