Shop Pay Installments | The Citizenry

THE PIECES YOU LOVE, PAID YOUR WAY

INTRODUCING SHOP PAY INSTALLMENTS

Split any order into 4 interest-free payments, or choose a monthly plan, with Shop Pay Installments. Bring home more of what you love, at your own pace.

EXPLORE BEST SELLERS

Sunlit living room with a linen sofa and layered area rug, styled with Shop Pay Installments payment options at The Citizenry

Payment, On Your Terms

Rolled area rugs in warm earth tones displayed side by side at The Citizenry

2 or 4 Interest-Free Payments

Split your order into equal payments, every two weeks, at 0% APR.

Cream sofa styled with rust and terracotta pillows beside a round wood coffee table

Interest-Free Up to 12 Months

Choose a longer plan for bigger pieces, still no interest.

Monthly Installments Up to 24 Months

Spread larger purchases out further, with rates from 0-36% APR.

Wood bed frame with layered neutral and patterned bedding in a bedroom setting

Shop Pay Installments, Your Way

More flexibility at checkout, online and in-store, with Shop Pay.

*Rates from 0-36% APR. For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR. Payment options through Shop Pay Installments are subject to eligibility and are provided by Affirm’s lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. More options may be available upon approval. State notices to consumers: affirm.com/licenses.

Discover Best Sellers With Shop Pay Installments

Everything you need to know about paying with Shop Pay Installments, all in one place.

What is the option to pay in installments on Shop Pay?

When you check out with Shop Pay, you can choose to pay now or later. Splitting your purchase means four interest-free biweekly payments at 0% APR, or a monthly plan with no hidden fees.

Which payment methods are accepted if I use the option to pay in installments on Shop Pay?

For interest-free orders, debit and credit cards are accepted through Shop Pay. For interest-bearing orders, only debit cards can be used.

Is there a limit to how much I can spend on a single Shop Pay Installments order?

Yes, orders must total between $35 and $30,000 USD, including discounts, shipping, and taxes.

Can I pre-qualify for a purchase amount before visiting a store?

No. An application for Shop Pay Installments can only begin at live checkout, online or in-store. You'll get a real-time decision in minutes.

Are there late fees?

There are no late fees if you miss a scheduled payment with Shop Pay Installments. Missing or making partial payments can still affect your future eligibility to use the service, or your credit score, especially on monthly interest-bearing plans.

What if I miss an installment payment?

There are no late fees for missed payments. Partial or late payments may still affect your credit score or your eligibility to use Shop Pay Installments going forward. If you have questions about a missed payment, reach out to Affirm support directly.

What if I make a return on a purchase made through installments with Shop Pay?

A refund reduces or finishes your remaining balance through Affirm, and takes 3 to 10 business days to show on your account. Keep making scheduled payments while your refund processes, so you avoid late marks.

Still have questions? Email us at assistant@the-citizenry.com, we're happy to help.