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November 6, 2023


Does using Shop Pay Installments affect my credit score?

No. If you choose to pay for your order in the recommended four biweekly installments, then your credit score is NOT impacted.

If you choose to pay for your order in monthly payments, and fail to make payments on time, then your credit score might be affected. Only monthly payment options might impact a customer's credit score, in addition to failed payment.