Yes, there’s no penalty for paying early.

You can make or schedule payments at affirm.com or in the Affirm app for iOS or
Android. Affirm will send you email and text reminders before payments are due.

Yes, you can return an item you bought with Affirm by initiating the return process with the store.

No, your credit won't be affected when you create an Affirm account or check your eligibility (including checking your pre qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it's considered a soft inquiry, which does not affect your credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. You can find more information on Affirm's Help Center.

It’s a flexible "Buy Now, Pay Later" option that allows you to break down your order total into smaller, easier payments. You get your new gear immediately, without having to pay the full cost upfront.

Shop Pay Installments is powered by Affirm, our trusted financial partner. When you accept the payment plan, you enter into a loan agreement with Affirm.

Generally, Shop Pay Installments are available for orders totaling between $50 USD and $30,000 USD. The exact limit depends on the plan you choose and your personal eligibility.

1. Add your desired parts (steps, lights, etc.) to your cart.

2. At checkout, select the Shop Pay payment option.

3. In the Shop Pay interface, select “Pay in Installments.”

4. You will instantly see your available plans and rates before finalizing the purchase.

Absolutely not. Transparency is key. There are NO hidden fees, NO service charges, and NO late fees—the amount you agree to is the total amount you pay.

It depends on your plan:
1. 4 Interest-Free Payments: For smaller orders (usually under $1,000 USD), you can pay in 4 installments with 0% APR, paid every two weeks.
2. Monthly Installments: For larger orders, you may be offered 3, 6, or 12-month plans, which may involve interest (APR). Your exact rate will be clearly displayed before you confirm the loan.

Not a chance! Your order ships immediately, just like any standard credit card purchase. The financing agreement is between you and Affirm and does not affect our shipping timeline.

Our standard return policy applies. Once we receive and process your return, we notify Affirm. Affirm will then refund any payments you’ve already made and cancel the remaining balance of your loan.

While there are no late fees, missing payments can affect your eligibility to use Shop Pay Installments in the future and may be reported to credit bureaus (for longer installment plans). If you run into trouble, please contact Affirm Customer Service directly for assistance.
Affirm Help Center

You can visit their website at affirm.com.