Flexible Ways to Pay with Shop Pay Instalments
Love what you see but want to spread the cost? With Shop Pay Instalments, you can buy today and pay over time — with no hidden fees and no surprises.
How It Works
- Add items to your basket — shop as normal and head to checkout.
- Check out with Shop Pay — select Shop Pay as your payment method.
- Choose to pay in instalments — select your preferred payment plan at checkout.
- Make your first payment — your initial payment is taken at checkout.
- Relax — your remaining payments are automatically charged to your saved card. You'll receive an email reminder before each payment is due.
Your Payment Options
Interest-Free Instalments
Split your order into 3 equal interest-free payments for orders between £50 and £999.99, with the first payment due at checkout.
Monthly Payment Plans
For larger orders between £150 and £30,000, spread the cost over 3, 6, 12, 18 or 24 months. Representative APR 22% (up to 35.99% APR). A down payment may be required for orders over £17,500.
Frequently Asked Questions
Who can use Shop Pay Instalments?
You'll need a UK billing address and a Shop Pay account. Orders must be between £50 and £30,000 to be eligible.
What payment methods are accepted?
Debit cards are accepted for all instalment plans. Credit cards may also be available for certain orders.
Will I be charged interest?
For orders under £1,000, you can choose an interest-free plan. Monthly plans for larger orders carry interest — your exact rate and terms will be shown clearly at checkout before you commit.
What happens if I return my order?
Refunds are returned to your original payment method. Please note that any interest already paid is non-refundable, as it is the cost of borrowing.
Is there a late fee?
There are no hidden or late fees on Shop Pay Instalment plans.
Important Information
Financial Promotion Disclosure
Shop Pay Instalments offers credit in partnership with Affirm as lender. Affirm provides unregulated credit, subject to a credit check and minimum spend, which may vary. Terms apply. UK residents only, 18 and over with a debit card. A deposit is required at checkout. Missed payments could affect your financial status.
General Footer Disclosure
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.