Are there fees for using the buy now, pay later option?

For the 4 bi-weekly payments plan, there are no fees and 0% interest. For monthly payment plans, interest may apply. All rates are shown upfront before you confirm. There are no late fees on any plan.

Will using installments affect my credit score?

Checking your eligibility will not affect your credit score. Affirm performs a soft credit check. However, your payment history may be reported to credit bureaus, so on-time payments are important.

Can I pay for my hair extensions early?

Yes, you can pay off your installments early at any time with no penalties. This can even save you money on interest if you have a monthly plan.

Can I use this for any hair bundles?

Yes, you can use Shop Pay Installments on all our virgin and raw hair bundles, as long as your order total is within the eligible range. The only exclusions are gift cards and subscription orders.

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Buy Now, Pay Later

Q: How do I qualify for a hair bundle payment plan?

To qualify for a payment plan with Shop Pay Installments, you must be at least 18 years old, live in the U.S., and have a U.S. billing address. Your order total must be between $35 and $30,000. Final eligibility is determined by Affirm at checkout.

for Hair Bundles with Shop Pay

Get your dream hair today with flexible payment plans for virgin and raw hair bundles.

Ready to upgrade your look with premium virgin or raw hair extensions but want a more flexible way to pay? We've partnered with Shop Pay Installments to offer a simple, transparent "buy now, pay later" option. Now you can get the high-quality hair bundles you deserve and split your purchase into easy, manageable payments — with no hidden fees and no hard credit check.

How It Works

Shop Your Bundles

Browse our collections and add your favorites to your cart.

Choose Shop Pay

Select Shop Pay at checkout and pick the installments option.

Pick Your Plan

Choose bi-weekly or monthly payments. Your order ships right away.

Payment Options

Bi-Weekly

4 Payments · 0% APR

Split your order into 4 equal, interest-free payments every two weeks. No fees, ever.

Monthly

Up to 12 Months

Spread larger orders over several months. Rates shown upfront before you confirm.

Your Questions Answered

How do I qualify for a hair bundle payment plan?

You must be at least 18 years old, reside in the United States, and have a U.S. billing address on your debit or credit card. You'll also need a Shop Pay account, which you can create for free during checkout. Your order total must be between $35 and $30,000. Final approval is determined by Affirm at checkout.

Are there any fees or hidden charges?

The 4 bi-weekly payment plan has no fees and 0% interest — you pay exactly the purchase price. Monthly plans may carry interest (0–36% APR), but the exact rate is always shown before you confirm. There are no late fees on any plan.

Will applying affect my credit score?

No. Checking your eligibility is a soft credit check and will not impact your credit score. However, your payment history with Affirm may be reported to credit bureaus, so making on-time payments is important.

What happens if I miss a payment?

There are no late fees. Shop Pay will automatically retry your card. However, missed payments may affect your future eligibility and could impact your credit score. You can manage payments anytime in the Shop app.

Can I pay off my installments early?

Yes. You can pay off your remaining balance at any time with no early payment penalties. Paying early on a monthly plan can save you money on interest.

Which payment methods are accepted?

Most major debit and credit cards are accepted. Capital One credit cards, Chase credit cards, and all prepaid cards are not accepted. Monthly plans require a debit card. Digital wallets like Apple Pay are not compatible.

What if I need to return my order?

Returns follow our standard Refund Policy. Refunds are applied to your remaining installment balance. If the refund exceeds your balance, the difference goes back to your original payment method.

How do I manage my payments?

After your purchase, view your schedule, make early payments, and manage everything through the Shop app (iOS and Android) or at shop.app. You'll also get email and SMS reminders before each payment.

I wasn't approved. What can I do?

Eligibility is evaluated on each purchase, so you may be approved next time. Make sure your information is up to date and that you don't have a credit freeze. You're always welcome to try again on a future order.

Shop Pay Installments ~ Pay Over Time

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