Race now, pay later
Pay in full at checkout or pay over time with Shop Pay Installments. Split your order into bi-weekly or monthly payments and keep your budget on track.
- Pay in full or over time
- Orders $50 to $17,500
- No credit impact to check
- No late fees
Two ways to split it
Pick what fits your build
Pay in 4
4 payments, 0% interest
For orders $50 to $999.99
- Four bi-weekly installments
- No additional charges, interest or late fees
- Checking eligibility has no impact on your credit, but your eligibility can change if you do not make payments on time
Example: an $800 order is 4 payments of $200, the first at checkout.
Monthly
Spread it over months
For orders $150 to $17,500
- Monthly installments
- No late fees, but interest applies (rates from 0% to 36% APR)
- Checking eligibility has no impact on your credit, but your eligibility can change if you do not make payments on time
Your exact payment and rate are shown at checkout before you confirm. A down payment may be required.
Orders from $150 to $999.99 may qualify for either plan. Installment plans are offered when available. Which options you see depends on your purchase amount and an eligibility check.
How it works
Three steps
- Build your cartAdd your wheelbase, pedals, rim or full rig. Anything from $50 to $17,500 can qualify.
- Choose Shop PayWith Shop Pay you can pay in full at checkout or pay over time, when installments are available for your order.
- Pay over timeYour first payment is at checkout. The rest are charged bi-weekly or monthly, with email and SMS text (if applicable) reminders before each one.
Quick answers
Good to know
Does checking my eligibility affect my credit?
Checking eligibility has no impact on your credit. Your eligibility can change if you do not make your payments on time. Your loan and payment information might be shared with credit reporting agencies.
Who can use Shop Pay Installments?
You need a Shop Pay account, you must be at least 18 (19 in some US states) and live in the US with a payment card that has a US billing address. Any credit freeze or lock must be lifted before Affirm can process your application. Affirm makes the final decision on each purchase, so being declined once does not mean you are declined for good.
When am I charged?
You make your first payment at checkout (a down payment may be required). After that you are charged every two weeks or every month, depending on the plan you choose. You get an email and an SMS text (if applicable) before each payment, and you can also turn on push notifications in the Shop app.
Can I change my payment schedule or pay early?
The payment schedule cannot be customized. You can pay early, and paying off a loan early has no penalty. You can view your orders and make manual payments in the Shop app or by logging in to Shop in a browser.
Are there late fees?
There are no late fees on either plan. The monthly plan does charge interest, and your eligibility for future orders can change if payments are missed.
What if I return something?
Contact us and we will review the return under our return policy. Keep making any payments that come due while the refund is pending. Refunds first reduce your remaining installment balance, and any remainder goes back to your original payment method in 3 to 10 business days.
Who provides the financing?
Shop Pay Installments is powered and serviced by Affirm. Affirm emails your decision from shoppay@shop.affirm.com, so check your spam folder if you do not see it. See the full terms below.
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Start building your rig
Financing details
Rates from 0%-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers: affirm.com/licenses.
Shop Pay Installments is powered and serviced by Affirm. Learn more about Shop Pay Installments.