How does Shop Pay Installments Plan Work?

Eazynappy, in partnership with Shop Pay, offers USA-based customers the convenient option to split their purchases into interest-free installment payments or extended payment plans. Customers can choose to split their purchase into 4 equal installments or opt for extended payment plans of up to 12 months for orders up to $17,500. With Shop Pay Installments, there are no additional charges, interest rates, or late fees passed on to customers.

According to Shop Pay, customers' credit scores aren't affected if they use Shop Pay Installments. However, if a customer doesn't pay their installment or makes a late payment, they might not be eligible to make purchases using Shop Pay Installments in the future.

Using Shop Pay Installments

  1. The customer adds items to their cart.
  2. The customer checks out using Shop Pay.
  3. The customer selects Shop Pay Installments and chooses to pay for their order in 4 installments or 12-month payments.

After a customer selects Shop Pay Installments, they review their purchase and are presented with one of the following options:

  • Make their first payment at checkout
  • Make their first payment 2 weeks after the purchase was made
  • Select 12 Month Payments

The remaining payments are automatically charged to the customer's debit or credit card as per the set plan by the customer. Customers receive an email reminder before each payment is charged.

Representative Example

Let's consider a $800 purchase made using Shop Pay Installments. Here are two representative examples of payment plans:

  1. 12 Monthly Payments:
    • Loan Amount: $800
    • Term Length: 12 months
    • Monthly Payment Amount: $72.21
    • Total Amount Repaid: $866.52
    • Annual Percentage Rate (APR): 15%
  2. 4 Interest-Free Payments:
    • Loan Amount: $800
    • Term Length: 2 weeks between each payment
    • Payment Amount: $200 every 2 weeks
    • Total Amount Repaid: $800
    • Annual Percentage Rate (APR): 0% (interest-free)

Please note that the above examples are for illustrative purposes and may not reflect the specific terms and conditions of every transaction. The actual terms and APR may vary based on factors such as creditworthiness and eligibility.


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. For state-specific notices to consumers, please visit: