No, there are no late fees if you miss a scheduled payment.

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 flexible installment payments. * Your first payment is due when you make your purchase.

If your refund amount is less than the amount remaining on your Shop Pay Installments balance, then you can expect one or both of the following:

• A smaller payment balance on the final payment.
• Less future payments on the remaining loan balance.

If your refund amount is more than the amount remaining on your Shop Pay Installments balance, then you can expect to receive the difference as a refund to your original payment method within 3 to 10 business days.

If you paid for an order in monthly payments, then you won't be refunded the paid interest. Interest is the cost of borrowing, and isn't refundable.

The installments option on Shop Pay is available on debit and credit cards. Capital One cards aren't accepted. If you choose a monthly payment option, then you can only pay with a debit card.

• For questions about installment payments on Shop Pay, visit https://shoppay.affirm.com.
• For questions about Shop Pay or the Shop App, visit https://help.shop.app.