Shop Pay installments is the option to pay in full at checkout, or to split your purchase into four equal, interest-free installment payments for orders between 50 USD and 3,000 USD. There are no additional charges, interest rates, or late fees passed on to you.
Your credit score will not be affected if you use Shop Pay Installments. However, if you do not pay your installment, or they make a late payment, then you may not be eligible to make purchases using Shop Pay Installments in the future.
If you need a refund on a Shop Pay Installments purchase you will only be refund 94% of your purchase due to the 5.5% fee that is taken away from us (Kala Kouture) that is non-refundable.