About Shop Pay Instalments

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

 

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.

 

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 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

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.