1. Help Center
  2. Financing
  3. Financing (powered by Affirm)

Will paying in installments impact my credit score?

Your credit score is not impacted if your purchase is split into 4 bi-weekly payments using Shop Pay Installments. If your purchase is split into monthly payments, then your payments may be reported to a credit bureau.

Affirm performs a soft credit check when you apply for an installment plan, this won't impact your credit score. However, if you're approved and decide to purchase, your loan, and payments may affect your credit score.