Looking to make your shopping experience smoother and more flexible? Say hello to Shop Pay! With Shop Pay, you can enjoy convenient financing options that suit your budget and preferences.

How It Works

When you're ready to make a purchase, simply select the "Shop Pay" payment option at checkout. With rates ranging from 0% APR to 10–36% APR based on credit, Shop Pay offers you the flexibility you need. For instance, a $2000 purchase might cost $111.11/mo over 18 months at 0% APR.

Pre-Qualification

Wondering what's required to pre-qualify? It's simple! Your Shop Pay account is created using basic information including your name, email, mobile phone number, birthday, and the last 4 digits of your SSN. This helps us verify and protect your identity, ensuring a secure shopping experience.

Credit Check

Yes, Shop Pay does perform a credit check, but rest assured, it's a 'soft' credit check that won't impact your credit score. This check helps us verify your identity and determine your eligibility for financing without any negative repercussions.

Security Measures

At Shop Pay, protecting your personal information is our top priority. We utilize encryption techniques to safeguard sensitive data, including Social Security numbers. Additionally, we maintain robust physical, electronic, and procedural safeguards to ensure the security of your information. Your trust and privacy are of utmost importance to us, and we never sell or rent your information to third parties.

Simple, No-Fuss Financing

With Shop Pay, what you see at checkout is all you pay—on a schedule that fits your budget. Whether you prefer a 6, 12, or 18-month payment plan starting at 0% APR, we've got you covered.

Instant Decision

Get a decision immediately on a loan that fits your budget. Our streamlined process allows you to see if you qualify for financing in just a few clicks. Once approved, you'll receive loan confirmation and payment reminders via email and text, making your shopping experience hassle-free.

Payment Done Your Way

With Shop Pay, you have the freedom to choose a payment plan that aligns with your financial goals. Need a little extra time to pay for that new furniture? Our flexible financing options ensure you find the perfect loan for your needs.

Experience the ease and convenience of Shop Pay financing today. Select Shop Pay at checkout and enjoy a seamless shopping experience tailored to you.