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Shop Pay Installments

Skwala, partnering with Affirm, now offers you the option to pay in installments if you would like to choose an alternative to standard credit card payment.  You can find all the details and fine print below. Please remember that “pay in installments” is a service provided by Affirm, a third-party vendor, not Skwala.

How it works

  1. Add items to your cart.
  2. Check out with Shop Pay.
  3. Choose the option to pay in installments.

Your first payment is due at checkout. The remaining payments are automatically charged to your card saved on Shop Pay based on the payment plan you chose. Don't worry, you'll get an email reminder before each payment to remind you.



What is the option to pay in installments on Shop Pay?

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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 four equal, biweekly installment payments with 0% APR, or monthly installments with no hidden or late fees*.

Which payment methods are accepted if I use the option to pay in installments on Shop Pay?

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For non-interest bearing orders, debit and credit cards are accepted through Shop Pay. For interest bearing orders, you can only pay using a debit card.

Is there a limit to how much I can spend on a single Shop Pay Installments order?

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Yes, $20,000 is the order value limit that applies to purchases using Shop Pay Installments, including discounts, shipping, and taxes.

Can I pre-qualify for a purchase amount?

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No. An application for Shop Pay Installments can only begin with a live checkout.

Can I buy gift cards with Shop Pay Installments?

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You can't purchase gift cards using Shop Pay Installments. If you want to purchase gift cards along with Shop Pay Installments eligible products, then you need to place two separate orders.

Are there late fees?

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

Does it affect my credit score?

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If you choose to pay in 4 bi-weekly payments, your credit scores aren’t affected. If you decide to pay monthly, these payments may be reported to a credit bureau.

What if I miss an installment payment?

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There are no late fees for customers who miss a scheduled payment. However, partial payments or late payments might impact your credit score, or your eligibility to use Shop Pay Installments in the future. If you have questions about a missed installment payment, then you can contact Affirm support for assistance.

What if I return a purchase made through Installments for Shop Pay?

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The standard return policy is in place but keep in mind that if you still owe money on your Shop Pay Payments, that you will still continue to be  charged until we have received your return and issued your refund. 

After your refund is processed, the refund amount will be applied to your original payment method within 3-10 business days and your balance will be updated.

If your refund is less than your total purchase balance, then it might not lower your next payment. Instead, you can expect fewer payments, a smaller final payment, or both.

If your refund is more than your purchase balance, then the difference is returned to your original payment method within 3-10 business days.

If your order is made with interest payments, then the paid interest isn't refunded. When you make payments, the funds are first applied to the accrued unpaid interest and then to the principal. Interest is the cost of borrowing, and isn't refundable.

Have more questions?

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For questions about installment payments on Shop Pay, visit

*Rates from 0-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required. State notices to consumers -

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