When checking out with Shop Pay, you now have the option to pay now or later. Paying in installments on Shop Pay (in partnership with Affirm) allows you to split your purchase into 3, 6 or 12 month increments. To use Shop Pay Installments, you need to have a United States billing address, and be signed up for Shop Pay.

Add Vestaboard to your cart, check out with Shop Pay, and choose to pay in installments. Your first payment will either be due at checkout or two weeks after your purchase. The remaining installments will be automatically charged to your card saved on Shop Pay at the payment cadence you have selected. You'll get an email reminder before each payment.

If you finance your purchase with Affirm, your first payment is due approximately two weeks after your purchase is finalized. Please note that due to extended delivery times, your loan payment(s) may be due before you receive your purchase.

Shop Pay Installments doesn't accept Capital One cards, prepaid debit cards, or prepaid credit cards. If you split your order into four bi-weekly payments, then you can pay with a credit card or debit card. If you pay for your order in monthly payments, then you can only pay with a debit card.

Please check the product page for current delivery timelines for Vestaboard. Please note that due to extended delivery times, your loan payment(s) may be due before you receive your purchase.

If we process a refund for your order, the refunded amount will be returned to your original payment method within 30 business days, and your balance will be updated.

No, if you choose to pay in installments through Shop Pay, there will be no impact to your credit score. Affirm will not report to credit bureaus when you apply for Shop Pay Installments, but your credit score can change if you don't make your payments on time. 

While there are no late fees for monthly installment payments, your order is subject to interest fees if you miss a scheduled payment.

If you have more questions about installment payments on Shop Pay, you can refer to help pages here or here.