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Fall collection
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Financing

Shop Pay Installments lets you split a purchase of $50 or more into four interest-free payments, or spread it over up to 12 months. Available to customers in Canada and the US, excluding Quebec.

Powered by Affirm, applied directly at checkout. No hidden fees, no long forms.

How it works

  1. Add to cart. Orders over $50 qualify.
  2. Choose Shop Pay Installments at checkout. You'll see your payment options straight away.
  3. Get a decision. Approvals take seconds.
  4. Complete your purchase. Payment reminders and full visibility live in your Shop account."

What you get

  • Four interest-free biweekly payments, or a monthly plan up to 12 months.
  • No interest on Pay in 4. Longer terms may carry interest, shown clearly at checkout.
  • No prepayment penalties, pay the balance off early at any time, at no cost.
  • Apply at checkout. No redirects, no delays.
  • No late fees. Missing a payment may affect future eligibility, but it won't cost you.

Common questions

Who can use Shop Pay Installments?

Customers in Canada and the US, excluding Quebec, with a valid billing address and payment method.

Is a credit check required?

No. Checking eligibility doesn't affect your credit score. A hard credit check may happen only if you accept a monthly installment plan.

Can I pay my balance off early?

Yes, at any time, with no penalty or fee.

Will I pay interest?

Not on Pay in 4, that's always 0%. Monthly plans may carry interest depending on your eligibility, and the terms are shown before you confirm.

Is there a maximum order value?

Yes, up to $30,000 CAD or USD, including taxes and shipping.

Can I buy a gift card with Shop Pay Installments?

No. Gift cards aren't eligible.

What happens if I miss a payment?

No late fee. It may affect your eligibility for financing in future.

How do returns and refunds work?

Exactly as they would otherwise, our standard return and exchange policy applies. Contact us to start one. Once the return is processed your installment balance updates automatically, and any refund appears within 3-10 business days.

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