Buy Now, Pay Later
with Shop Pay Installments
Split your dream kitchen into 4 interest-free bi-weekly payments, or spread it over 3–12 monthly payments — you'll see your exact options right at checkout, and checking eligibility won't affect your credit score.
Financing made simple and transparent
Get the kitchen you want today and pay over time — right inside checkout, with no separate application. Choose 2 or 4 interest-free bi-weekly payments, or 3–12 monthly payments on eligible orders from $50 to $20,000.
Three easy steps to pay over time
Design your kitchen
Browse our eleven premium cabinet brands and use our free 3D design service to plan every detail of your space.
Choose Shop Pay Installments at checkout
Select Shop Pay when you check out and pick the plan that fits: 2 or 4 interest-free bi-weekly payments, or 3–12 monthly payments. Checking your options takes seconds with only a soft credit check — no impact on your score.
Pay over time
Confirm your plan and we ship nationwide, straight to your door. Manage payments any time in the Shop app — with no late fees and no prepayment penalties.
See what your monthly payment could be
Illustrative monthly amounts before interest. Monthly plans run 6%–36% APR based on your credit — your exact payment, rate, and terms are shown at checkout before you confirm.
| Purchase total | 3 months | 6 months | 12 months |
|---|---|---|---|
| $1,500 | $500/mo | $250/mo | $125/mo |
| $3,500 | $1,166.67/mo | $583.33/mo | $291.67/mo |
| $7,500 | $2,500/mo | $1,250/mo | $625/mo |
| $12,000 | $4,000/mo | $2,000/mo | $1,000/mo |
| $20,000 | $6,666.67/mo | $3,333.33/mo | $1,666.67/mo |
Figures are illustrative estimates excluding interest and are not an offer of credit. Payment options through Shop Pay Installments are subject to eligibility on orders of $50–$20,000.
Financing questions, answered
Everything you need to know about paying for your cabinets over time with Shop Pay Installments.
Shop Pay Installments is Shopify’s built-in buy-now-pay-later option. At checkout you choose how to split your purchase — 2 or 4 interest-free bi-weekly payments, or 3 to 12 monthly payments — and see the exact amounts and any interest upfront before you confirm. There’s no separate application or account setup ahead of time.
Orders from $50 up to $20,000 are eligible. Smaller purchases (like door samples) typically qualify for interest-free bi-weekly payments, while larger cabinet orders can be spread across 3 to 12 monthly payments.
No. Eligibility is checked with a soft credit inquiry that does not impact your credit score. You’ll see whether you’re approved and which plans are available in seconds, right at checkout.
Bi-weekly plans (2 or 4 payments) are 0% APR — completely interest-free. Monthly plans of 3 to 12 months range from 6% to 36% APR based on your credit profile. The exact rate and total are shown before you confirm — no surprises.
Add your cabinets to the cart and start checkout. Choose Shop Pay, verify with a text code, and pick the installment plan that fits. Confirm, and your order ships like any other — you manage payments in the Shop app or at shop.app.
For bi-weekly plans, the first payment is typically due at checkout and the rest every two weeks after. For monthly plans, payments follow a monthly schedule from your purchase date. Your full schedule is shown before you confirm.
No late fees and no prepayment penalties. You can pay off your balance early at any time — on monthly plans you only pay the interest accrued up to that point.
Shop Pay Installments is provided through Shopify and powered by Affirm as the lender. You don’t need an Affirm account beforehand — everything happens inside Shopify’s checkout. (We no longer run a separate, direct Affirm program; all financing now flows through Shop Pay at checkout.)
Shop Pay Installments is designed for personal purchases up to $20,000. For commercial contractor accounts and larger trade orders, contact us directly to discuss payment arrangements and trade pricing.
Ready to finance your dream kitchen?
Browse our premium cabinets or get a free 3D design — then choose Shop Pay Installments at checkout and pay over time.
Shop Pay Installments is powered by Affirm. Payment options are subject to an eligibility check and are available on eligible orders from $50 to $20,000; options depend on your purchase amount and a down payment may be required. Bi-weekly plans are 0% APR; monthly plans range from 6% to 36% APR based on credit. Estimated payment amounts shown on this page exclude interest, taxes, and shipping, which are calculated at checkout. Availability may vary by state. Loans through Shop Pay Installments are made by Affirm’s lending partners: affirm.com/lenders.