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SHOP NOW, PAY LATER
For orders over $50.00, select the installments option at checkout to split your purchase into 4 interest-free payments. Details below.
SHOP PAY INSTALLMENTS FAQs
We are excited to offer our customers the option to use Shop Pay at checkout. Please read this entire page so you’re well informed on how the installment payments work.
Shop Pay gives our customers the option to pay now or pay later. Paying in installments on Shop Pay allows you to choose how you want to pay at checkout. You can either pay for your purchase in full without using Shop Pay or you can choose one of the following two options offered by Shop Pay:
Shop Pay Installments Option 1 – Pay in 4 Biweekly (every two weeks) Payments. This option allows you to spit your purchase amount into 4 equal, biweekly installment payments. You may use both credit and debit cards to pay for this option. Capital One cards are not accepted by Shop Pay. The first payment is due at checkout. The remaining payments are automatically charged to the card you saved on Shop Pay based on the payment plan selected during checkout. Shop Pay will email you to remind you of upcoming payments.
Shop Pay Installments Option 2 – Pay in Monthly Payments*. This option allows you to pay monthly installments that are interest-bearing, and depending on the purchase amount, may be paid in 3, 6, or 12 months. Only debit cards can be used to pay for this option. Capital One cards are not accepted by Shop Pay. The first payment is due at checkout. The remaining payments are automatically charged to the card you saved on Shop Pay based on the payment plan selected during checkout. Shop Pay will email you to remind you of upcoming payments.
Late Fees: There are no late fees if you miss a scheduled payment.
Credit Score: Shop Pay has no impact on your credit score.
Payment options are offered by Affirm and are subject to an eligibility check and might not be available in all states. Loans through Affirm are made by Cross River Bank, Member FDIC; Celtic Bank, Member FDIC; or Affirm Loan Services, LLC. California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681.
If you finance your purchase with Affirm, your first payment is due approximately two weeks after your purchase is finalized. Please note that in some cases, due to extended delivery times of the product(s), your loan payment(s) may be due before you receive your purchase.
Shop Pay Returns – If you’re eligible for a return according to our Return & Refund Policy and you paid with Shop Pay, the refunded amount will be returned to your original payment method and your balance will be updated. If your refund is less than your purchase balance it may not affect your next payment but you may have fewer payments or a smaller final payment, or, depending on the amount, both may apply. If the refund is more than the purchase balance, the difference will be returned to your original payment. Refunds typically take 3 to 10 business days to complete.
*Rates from 0% APR or 10-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: http://affirm.com/lenders . Options depend on your purchase amount, and a down payment may be required. State notices to consumers http://affirm.com/licenses .
Important notice: Thorn Ridge is happy to offer the Shop Pay Installment Option to our customers so that you can purchase our products and make affordable payments instead of paying in full up front. However, it’s important for you to know that we are not affiliated with Shop Pay in any way and all we are doing is offering you their payment options in our store. All decisions made regarding the financing are made strictly by Shop Pay and its lenders. Therefore, all questions regarding the financing offered or not offered should be discussed with Shop Pay. You can reach them directly at https://shoppay.affirm.com/us/s/ and they’ll be happy to help you with any questions or concerns you may have about their financing product and process and your account with them.