Buy now, pay later with Shop Pay

When you choose Shop Pay at checkout, you can split your purchase into flexible installment payments.

How it works

1. Add items to your cart.
2. Check out with Shop Pay.
3. Choose the option to pay in installments.

Your first payment is due at checkout. The remaining payments are automatically charged to your card saved on Shop Pay based on the payment plan you chose. Don't worry, you'll get an email reminder before each payment to remind you.

Quick approval, flexible payments, no late fees

Quick decision Get a real-time decision on your eligibility.

Easy payments Split your purchase into easy bi-weekly or monthly payments.

No surprises No late or hidden fees.

FAQ's

What is the option to pay in installments on Shop Pay?

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 four equal, biweekly installment payments with 0% APR, or monthly installments with no hidden or late fees*.

*Rates from 0% APR 10-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers affirm.com/licenses.

Which payment methods are accepted if I use the option to pay in installments on Shop Pay?

For non-interest bearing orders, debit and credit cards are accepted through Shop Pay. For interest bearing orders, you can only pay using a debit card.

Can I use Shop Pay Installments if I'm an international customer?

Shop Pay Installments is only available to customers with a United States billing address and a United States mobile phone number. Customers with international billing addresses or phone numbers can't use Shop Pay Installments.

Is there a limit to how much I can spend on a single Shop Pay Installments order?

Yes, 17,500 USD is the order value limit that applies to purchases using Shop Pay Installments, including discounts, shipping, and taxes.

Are there late fees?

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

What if I miss an installment payment?

There are no late fees for customers who miss a scheduled payment. However, partial payments or late payments might impact your credit score, or your eligibility to use Shop Pay Installments in the future. If you have questions about a missed installment payment, then you can contact Affirm support for assistance.

What if I make a return on a purchase made through installments with Shop Pay?

To request a refund, contact the store where you purchased your item. Using their return policy, the store will advise if a return is possible. If a return is possible, then the store will advise how much the refunded amount will be. After your refund is processed, the refund amount will be applied to your original payment method within 3-10 business days and your balance will be updated.

If your refund is less than your total purchase balance, then it might not lower your next payment. Instead, you can expect fewer payments, a smaller final payment, or both.

If your refund is more than your purchase balance, then the difference is returned to your original payment method within 3-10 business days.

If your order is made with interest payments, then the paid interest isn't refunded. When you make payments, the funds are first applied to the accrued unpaid interest and then to the principal. Interest is the cost of borrowing, and isn't refundable.

Returns:

Please contact support@shopnovelhome.com if you need assistance with a return. Return policies are dependent on the product and brand purchased. Customers are responsible for return shipping unless damage or manufacturer defect is detected. 

Damages:

Please inspect the packaging of your item(s) when they arrive, if you notice any damage, please make note of it when signing for delivery.  If your item(s) arrive damaged, please send photos to support@shopnovelhome.com and we will process a claim on your behalf.

Cancellations & Refunds:

All orders cancelled after 48 hours are subject to a $20 administration fee, whether or not your order has shipped.  If your order has shipped, you (the buyer) will also be responsible for return shipping charges. Refunds will only be issued to the original credit card used when placing the order.

Notes: 

Dundalk LeisureCraft products are not eligible for returns but replacement parts may be sent out if they arrived damaged. Dundalk has sole discretion concerning replacement components due to shipping damage or any other issues out of our control.

Order Confirmation:

Once your order is placed, you will receive an order confirmation e-mail.  This means that we have received your order in our system and pre-authorized your credit card for the purchase.  

Order Shipment:

If your order is in stock, we will process the charges to your credit card and it will ship within five business days. We offer free standard shipping on all orders within the US. If you need expedited shipping, please contact us and we can arrange quicker shipping and provide you a quote for shipping costs. Once your order leaves the warehouse, you will receive tracking information within 24 hours to the email provided at check out. If you do not receive tracking information within six business days of your order, please contact us at support@shopnovelhome.com.

If your order is not in stock, we will contact you with updated information regarding estimated ship times.

Please be aware that certain products may be located in different warehouses across the US. If you choose multiple products from different manufacturers, they may ship at different times by different carriers. We will always choose the fastest delivery option, but items may arrive separately.

Please be aware some of our manufacturers handcraft their products as they are ordered. These products have longer lead times. You can find specific information for each product on their individual product pages.

If you require international shipping, please contact us at support@shopnovelhome.com and we will arrange shipping if possible.