Instalments

Shop Pay offers you the option to pay in full at checkout or to split your purchase into regular payments with Shop Pay Instalments.

Payment plans

Purchases between £50 and £30,000 are eligible for Shop Pay Instalments, with the option of monthly instalments.

Note: Minimum purchase amounts and offers may vary by retailer. Orders over £17,500 will be subject to a down payment.

Interest Free:  x3 interest-free payments are available for orders between £50 and £999.99, with the initial payment due at checkout.

Interest-Bearing: For larger purchases (£150 to £30,000), you can also choose monthly interest-bearing payments with APR ranging up to 35.99% (22% Representative APR), which can be spread over 3, 6, 12, 18, or 24 months depending on the purchase amount. If an order exceeds £17,500, a down payment is required for the remaining balance.

The interest-free option has no late fees, you get a real-time decision on eligibility.

Made to Order Products

Please note that your first payment is due approximately two weeks after your purchase is made and so for  Made to Order Products ( ie non-stock items) with an extended lead time, your loan payment(s) may be due before you receive your items.

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 Instalments. 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 Instalments, 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 Instalments in the future.
 

Restricted items

There are some items that you can’t use Shop Pay Instalments 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

Rates from 0-35.99% APR. Payment options through Shop Pay Instalments are subject to an eligibility check. Options depend on your purchase amount, and a down payment may be required. For example, a £900 purchase might cost £75.00/month over 12 months at 22% Representative APR. A down payment may be required.

Shop Pay Instalments 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.

How Shop Pay Instalments works

When you choose Shop Pay Instalments at checkout, you're applying for a loan through Affirm. If approved, then your purchase will be split into several smaller payments. You'll make your payments to Affirm, monthly (in the United Kingdom), depending on the plans available for you to choose from at checkout.

Depending on your location, the purchase amount, and the plans available, a down payment might be required at the time of checkout. You can also choose to pay off your loan early without any penalties. For interest-bearing loans, you can save on interest fees when you pay off the remaining balance early.

Shop Pay Instalments is offered in partnership with Affirm, who services your loan. Review the following pages on the Affirm Help Center to learn more about Affirm and Shop Pay Instalments, depending on your location:

Find our more about Shop Pay Instalments

To pay with Shop Pay Instalments 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.

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.