Quick Decision
Get a real-time decision on your eligibility when you select an installment option at checkout.
Extract Craft | Flexible Payments
Get what you need.
Get what you need.
Pay over time.
We're proud to offer more ways to pay. Now you can pay over time with Shop Pay and choose the plan that's best for you.
Explore Our ProductsRates from 0–36% APR. Payment options are subject to eligibility and applicable terms. See financing disclosures below.
Simple, flexible checkout
How Shop Pay Installments Works
1
Add your items to your cart.
2
Choose Shop Pay at checkout.
3
Select an available installment plan,
if eligible.
More flexibility at checkout
Shop Pay Installments provides eligible customers with additional ways to pay for their purchases.
Flexible Payments
Split your purchase into easy biweekly or monthly payments, depending on available options.
No Late Fees
Shop Pay Installments has no late or hidden fees. Interest may apply depending on your payment plan.
Choose the payment plan that works for you.
At checkout, eligible customers can review available installment options and choose how they would like to pay.
Your payment schedule and any applicable interest are displayed before you confirm your financing.
Good to know
Available plans depend on eligibility, purchase amount, and lending terms. A down payment may be required. Approval is not guaranteed.
Frequently Asked Questions
Everything you need to know about paying over time with Shop Pay.
What is Shop Pay Installments?
Shop Pay Installments is a financing option powered by Affirm that allows eligible customers to split purchases into installment payments instead of paying the full amount at once.
How do I use Shop Pay Installments?
Add your items to your cart and select Shop Pay at checkout. If eligible, choose an available installment plan and review its terms before completing your purchase.
Is there interest?
Some payment options offer 0% APR, while others may include interest. Rates range from 0–36% APR. The actual terms available to you depend on eligibility and your purchase details.
Are there late fees?
Shop Pay Installments does not charge late or hidden fees. Applicable interest is disclosed in your financing terms.
Will using installments affect my credit?
Creating a Shop Pay Installments account does not affect your credit score. However, financing a purchase, your payment history, and other credit-related factors may affect your credit score.
Who qualifies for installment payments?
Eligibility is determined by the financing provider and depends on factors such as your purchase amount and eligibility review. Not all customers or purchases will qualify.
Can I use Shop Pay Installments on any purchase?
In the United States, eligible orders generally range from $35 to $30,000, including applicable taxes and shipping. Gift cards and subscription products are excluded. Other restrictions may apply.
How are my payments collected?
Payments are managed by Affirm according to your selected plan. Automatic payments and reminders depend on the terms of your financing agreement.
What happens if I return my purchase?
Approved refunds are applied toward your installment balance according to Affirm's procedures. Any interest already paid on monthly financing is generally nonrefundable.
Extract Craft's applicable return policy continues to apply.
Who do I contact about my payments?
For financing questions, payment schedules, or account assistance, contact Affirm through its customer support resources.
For questions about your Extract Craft order, contact our team through the website.
Shop Pay Installments Disclosures
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 consumers: affirm.com/licenses .
Shop Pay Installments is powered by Affirm. Financing availability, payment schedules, and applicable terms are determined by the lending provider. Extract Craft does not make lending or approval decisions.
For more information, visit Shop Pay Help or Affirm Support .