Play Now, Pay Later

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

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% interest, 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.

Your order is ready to ship as soon as you've finished going through Checkout (not after your last installment payment). You'll also get a confirmation with an order number via email.

Please note that there is a processing delay for all orders. Every instrument gets set up and play-tested before it ships, so your order may take a few business days before it ships.

If your refund amount is less than the amount remaining on your Shop Pay Installments balance, then you can expect one or both of the following:

1. A smaller payment balance on the final payment.
2. Less future payments on the remaining loan balance.

If your refund amount is more than the amount remaining on your Shop Pay Installments balance, then you can expect to receive the difference as a refund to your original debit card or credit card payment method within 3 to 10 business days.

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

No - When using Shop Pay installments, there will be no impact to your credit score since Affirm doesn't conduct a hard credit pull or report to the credit bureaus. However, late payments and non-payments may affect your ability to pay with Shop Pay installments in the future.

For questions about installment payments on Shop Pay, visit shop.affirm.com/help