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ThinkEDU Shop-Pay Installments Overview
ThinkEDU Installments lets eligible customers pay for an order in smaller increments over time. It's powered and serviced by Affirm. When available, Affirm Installments is a great option to help you maximize your budget for orders between $35 USD and $30,000 USD.
How Shop Pay Installments works:
When you choose Shop Pay Installments at checkout, you're applying for a loan through Affirm. If approved, then your purchase will be split into several smaller payments. You'll make your payments to Affirm, either bi-weekly or monthly, depending on the plans available for you to choose at checkout.
Shop Pay Installments is offered in partnership with Affirm, who services your loan.
Depending on where you make your purchase, a down payment may be required at the time of checkout. You can also choose to pay off your loan early without any penalties. For interest-bearing loans, you can save on interest fees when you pay off the remaining balance early.
What to expect after applying for Shop Pay Installments
After you apply for Shop Pay Installments, Affirm will review your application. You'll receive an email from Affirm (shoppay@shop.affirm.com) to the email address you use for Shop Pay, letting you know whether you're approved. This email might go to your spam or junk folder, so remember to check those folders too.
Note: Shop does not have access to information about Shop Pay Installments eligibility, applications, or accounts. For questions about a payment, you can complete the form on Affirm's website.
If you're not approved, then the email will explain why and might include next steps, if applicable. Keep in mind that you may be approved the next time you apply, as your eligibility is determined by Affirm on each individual purchase attempt.
If you're approved, then you'll see your payment schedule in the Shop app, in your Shop account from your browser, and you’ll receive email and SMS text reminders (if applicable) before each payment. You can also turn on push notifications in the Shop app. You can view and manage your Shop Pay Installments orders in the Shop app or the Shop Pay web portal.
You can't customize your payment schedule, but you can make early payments. You can also make manual payments in the Shop app or in your Shop account from your browser.
Installments eligibility and requirements
Learn about Shop Pay Installments eligibility, requirements and any other limitations
1. Eligibility criteria
- Location and billing address: You must reside within the United States (U.S.) and use a payment card with a United States billing address.
- Age requirement: Must be at least 18 years old, or 19 years old if residing in Alabama or if you are a ward of the state in Nebraska.
- Shop Pay registration: You need to be registered for Shop Pay to use the installments feature.
- Currency: All transactions must be carried out in USD. Using another currency will disable the installment option.
- Order value: Your order total must be between $35 USD and $30,000 USD, including shipping and taxes.
- Prohibited items: Orders cannot include any form of currency, including virtual and digital currencies such as gift cards.
2. Payment method restrictions
- Accepted cards: You can pay using a supported debit or credit card. Credit cards are only accepted for bi-weekly installment plans.
- Excluded cards: Capital One and Chase credit cards, as well as all prepaid cards, are not accepted.
- Digital wallets: Transactions using Shop Pay Installments are not compatible with digital wallets such as Apple Pay.
- Single store purchase: Purchases must be from a single store. Orders combining products from multiple stores are not eligible for Shop Pay Installments.
- Final approval: Even if all criteria are met, final approval for Shop Pay Installments is determined by Affirm on a case-by-case basis.
3. Compatibility and address limitations
- Shipping addresses: Cannot support deliveries to United States army post office (APO) military APO addresses or P.O. boxes.
4. Updating personal information
- Mandatory updates: Changes in your personally identifiable information (PII), such as your phone number or email address, require updates with both Shop Pay and Affirm before a new installment purchase can be made. Payments to existing orders can still be processed during this update period.
5. Payment details and options
- Order total display: Interest fees owed are not included in the order total displayed in the Shop app.
- Installment display options: The product display page shows bi-weekly installment options; monthly installments might be available at checkout but won't be displayed initially.
6. Account modifications
- Opting out: You cannot opt out of Shop or Shop Pay while there are active installments being paid. Opting out is only possible once all payments are completed.
7. Credit considerations
- Credit adjustments: Any credit freeze or lock must be lifted before Affirm can process your application. These actions can be implemented online, by phone, or via mail.
8. Purchase type and shipping limitations
- Subscriptions and B2B: Shop Pay Installments cannot be used for subscription orders or business-to-business (B2B) transactions.
- Shipping for physical products: If ordering physical products, then the shipping address must be within the United States. Customers in U.S. territories, including Puerto Rico, are not eligible for Shop Pay Installments. Digital products do not require a U.S. shipping address.
