Shop Pay Installments – Frequently Asked Questions

1. Add your favourite items to your shopping cart.
2. Select Shop Pay at checkout.
3. Choose Pay in Instalments.
4. Review the available payment options and terms.
5. If approved, complete your purchase.

Your available payment options will depend on your eligibility and purchase amount.r

Eligible Australian customers may be offered:

Pay in 4: Four interest-free instalments, paid fortnightly.

Monthly payments: Instalments over 6, 12 or 24 months, with interest rates ranging from 0% to 36% per annum.

The options available to you will be displayed at checkout before you confirm your purchase.

AnswerShop Pay Installments is available to eligible Australian customers on participating online stores.

To use Shop Pay Installments, you must meet the eligibility requirements set by Affirm. Approval is not guaranteed.

Learn more about eligibility requirements.

AnswerIn Australia, Shop Pay Installments is available for eligible purchases between $50 and $30,000 AUD, including shipping, discounts and taxes.

Your available payment options may vary depending on the purchase amount and eligibility.

Shop Pay Installments in Australia requires a supported debit card.

Your payments are automatically charged according to your selected payment schedule.

Your payment schedule is provided before you complete your purchase.

Depending on your selected plan, payments are due fortnightly or monthly. An initial payment may be required at checkout.

You can view your payment schedule and manage your instalments through the Shop app or your Shop account.

Shop Pay Installments does not charge late fees.

However, missed or partial payments may affect your credit score or your eligibility to use Shop Pay Installments in the future.

If you are experiencing difficulties making a payment, please contact Affirm for assistance.

Yes. You can make early payments without an early repayment penalty.

If your plan includes interest, paying the remaining balance early may reduce the total interest payable.

Shop Pay Installments is available for eligible domestic purchases in supported countries.

For purchases from an Australian merchant, your billing address, shipping address, payment details and Shop Pay Installments account must meet the Australian eligibility requirements.

No. Gift cards cannot be purchased using Shop Pay Installments.

If your order includes both gift cards and eligible products, you will need to place separate orders.

If you would like to return an item, please contact us in accordance with our returns policy.

Once an eligible refund has been processed, Affirm will update your outstanding payment balance.

Depending on the refund amount, your remaining payments may be reduced or adjusted. Interest already paid on an interest-bearing plan is not refundable.

Please refer to our returns policy for information about returning an order.

Shop Pay Installments is provided and serviced by Affirm.

For questions about repayments, payment schedules, eligibility or your instalment account, please visit the Affirm Australia Help Centre.

For questions about your order, products, delivery or returns, please contact our customer service team.

For further information, please visit:

• Shop Pay Installments Help Centre
• Shop Pay Installments Payment Plans
• Affirm Australia Help Centre