Financing
Take Advantage of Flexible Payments with Shop Pay Installments
At the KETTLER® Showroom, we’re excited to offer customers a convenient way to bring home the products you love—without the stress of paying all at once. With Shop Pay Installments, you can split your purchase into easy payments that fit your budget.
Whether you’re furnishing your outdoor space or picking up new seasonal favorites, Shop Pay provides a simple, secure, and transparent checkout experience. Below, you’ll find everything you need to know about how Shop Pay Installments work and how to get started.
HOW TO USE SHOP PAY INSTALLMENTS
- Tell the store representative: Let the associate know you want to pay with Shop Pay Installments.
- Scan the QR code: The associate will generate a QR code for your purchase. Scan it with your phone's camera to open the Shop Pay checkout on your device.
- Log in to Shop Pay: Sign in to your account or create one if you don't have one yet.
- Select your plan: On your device, confirm the purchase and select "Pay in installments". Review the eligible payment plans and choose the one that works for you.
- Complete the purchase: Follow the prompts to enter or verify any additional information needed, review the payment terms, and then tap to finalize the purchase.
ABOUT SHOP PAY INSTALLMENTS
Installments
Shop Pay offers you the option to pay in full at checkout or to split your purchase into regular payments with Shop Pay Installments, both online and in-store. Installment options vary by store and can be used on orders over $50 USD, including discounts, shipping, and taxes.
Payment plans
Purchases between $50 USD and $30,000 USD are eligible for Shop Pay Installments, with options to pay in bi-weekly or monthly installments.
Note: Minimum purchase amounts and offers may vary by retailer. Orders over $20,000 will be subject to a $10,000 down payment.
Eligibility requirements and credit score
You must be over the age of 18, reside in the US, and be paying in USD to use Shop Pay Installments.
Checking your eligibility will not impact your credit. Once payment plan terms are accepted, your payments may be reported to a credit bureau.
Note: To use Shop Pay Installments you need a US shipping address.
Fees or penalties
For purchases split into 2 or 4 bi-weekly payments, there are no additional charges or interest rates applied. Purchases split into monthly payments may be subject to interest. You can pay your balance off early without penalty. There are no late fees. However, partial or late payments may affect your ability to use Shop Pay Installments in the future.
Terms of Service
Learn more about Affirm’s Terms of Service or Shop’s Terms of Service.
Disclosure
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.
For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks.
Shop Pay Installments is offered in partnership with Affirm. Affirm is the servicer of your loan, and you can manage payments in your Shop Pay account or with Affirm directly
SHOP PAY INSTALLMENTS FAQ
Are there any additional costs?
Depending on the installments option that you choose for your order, interest rates from 0-36% APR might apply (where available and subject to country, state, or provincial regulatory limitations). Aside from interest rates, there are no additional charges or late fees.
Does using Shop Pay Installments impact credit score?
Creating a Shop Pay Installments account doesn’t impact your credit score. If you choose to pay for your order using Shop Pay Installments, then the following things might impact your credit score or rating:
- Making a purchase.
- Your payment history with Affirm.
- How much credit has been used, and how long you’ve had credit.
What happens if I return an item paid for using Shop Pay Installments?
If your refund amount is less than the amount remaining on your Shop Pay Installments balance, then you can expect one or both of the following:
- A smaller payment balance on the final payment.
- Less future payments on the remaining loan balance.
If your refund amount is more than the amount remaining on your Shop Pay Installments balance, then you can expect to receive the difference as a refund to your original payment method. If you request a refund for an order you've made monthly payments for, then your paid interest isn't refunded. Interest is the cost of borrowing, and isn't refundable.
Can I edit an order paid with Shop Pay Installments?
No, you can't edit orders that were paid for using Shop Pay Installments. If you need to make changes to an order, then you will have to be refunded on the original order and create a new one.
What happens if I want to add an item to an existing order?
If you add an item to an existing order made using Shop Pay Installments, then an invoice is created for the outstanding balance and sent to you. You will need to pay for the outstanding balance in full using a different payment method because additional invoices aren't supported by Shop Pay Installments.
Which payment methods are accepted?
Shop Pay Installments is available for purchases made using a credit (United States and Canada) and debit card (United States, Canada, United Kingdom). Capital One and Chase credit cards aren't accepted. Your customers that choose a monthly payment option can only pay with a debit card.