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Installment payment options
Make easy monthly payments with flexible options. For convenience, Sunny offers two options for installment payments: Shop Pay Installments and Affirm.
It's simple! Just add items to your cart, and choose Shop Pay at checkout.
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 4 equal, biweekly installment payments—with 0% interest, no hidden or late fees, and no impact on your credit score.
*In some instances, your first payment is due when you make your purchase; otherwise, your first payment is due 2 weeks after your purchase. Payment installments unavailable for recurring subscriptions at this time.
The installments option on Shop Pay is available on debit and credit cards.
No, there are no late fees if you miss a scheduled payment.
If we process a refund, the refunded amount will be returned 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, 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, the difference will be returned to your original payment method within 3-10 business days.
For questions about installment payments on Shop Pay, visit shop.affirm.com/help.
For questions about Shop Pay or the Shop App, visit shop.app/help/shop-pay.
It's simple! Just add items to your cart, and choose Shop Pay at checkout.
Yes! There’s no penalty for paying early.
You can make or schedule payments at affirm.com or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due.
Yes—you can return an item you bought with Affirm by initiating the return process with the store.
No—your credit score won’t be affected when you create an Affirm account or check your eligibility. If you decide to buy with Affirm, this may impact your credit score. You can find more information in Affirm’s Help Center.
Yes, you’ll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it’s really you who is creating your account and signing in.
You can visit their website at affirm.com.