Shop Pay installments in partnership with AFFIRM


What does the option to pay with installments on Shop Pay mean?
When checking out with Shop Pay, you now have the option to pay now or later. Paying in installments on Shop Pay allows you to split your purchase amount into 4 equal, biweekly installment payments—with 0% APR or 10-36% APR interest apply, no hidden or late fees, and no impact on your credit score.* In some instances, your first payment is due when you make your purchase; otherwise, your first payment is due 2 weeks after your purchase.

Are there any additional costs using Shop Pay?
For installment orders that are split into four biweekly payments, there are no additional charges, interest rates, or late fees.

For installment orders that are paid for in monthly payments, interest rates from 0% APR or 10-36% APR apply.

My installments payment using Shop Pay was rejected - why?

Eligibility for and approval of Shop Pay Installments is managed by Shop Pay and Affirm. ESQUELETO has no control over this process, but you should receive an email from Affirm detailing why your payment was rejected.

What happens if I partially or fully cancel my order that was paid in installments?
If we process a refund, the refunded amount will be returned to your original payment method within 3-10 business days, and your balance will be updated.

Please note, that ESQUELETO requires all returns to be made within 14 days of the date of receipt.

Can Gift Cards be paid in installments using Shop Pay?
Gift cards are excluded from using Shop Pay Installments. 

Will this affect my credit score?
No, if you choose to pay in installments through Shop Pay, there will be no impact to your credit score. For Shop Pay installments, Affirm will not report to credit bureaus.

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