Flexible financing

Financing

Shop Pay Installments

Rates from 0–36% APR. Eligibility check required. A down payment may be required depending on purchase amount. affirm.com/lenders

Quick approval

Real-time decision at checkout — no obligation to purchase when you check eligibility.

Flexible payments

Split into 4 interest-free installments or choose monthly payments for larger orders.

No surprise fees

No late fees. No hidden charges. What you see at checkout is what you pay.

How it works

  1. Add items to your cart

    Shop as normal and add your mattress, bedding, or accessories to your cart.

  2. Check out with Shop Pay

    Select Shop Pay as your payment method when you’re ready to complete your order.

  3. Choose to pay in installments

    Select the installments option and choose your payment plan. Your first payment is due at the time of purchase.

Payment options

Shop Pay Installments offers two ways to pay over time depending on your order total.

4 payments

Interest-free installments on orders $50–$999. Paid every two weeks. Available on debit cards.

Monthly

Monthly installment plans on orders $150–$17,500. Rates from 0–36% APR based on eligibility.

Most Lifekind mattress orders qualify for monthly installment plans. Checking your eligibility has no impact on your credit score.

Frequently asked questions

Are there late fees?

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

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

When checking out with Shop Pay, you have the option to pay now or later. Paying in installments allows you to split your purchase into flexible payments. Your first payment is due when you make your purchase.

Which payment methods are accepted?

The installments option on Shop Pay is available on debit cards.

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

If your refund amount is less than the amount remaining on your balance, you can expect one or both of the following:

  • A smaller payment balance on your final payment
  • Fewer remaining payments on your loan balance

If your refund amount is more than the amount remaining, the difference will be returned to your original payment method within 3–10 business days.

Have more questions?

    Ready to check?

    How to check your eligibility

    You can check your eligibility directly from any product page — it takes seconds and has no impact on your credit score.

    1. Go to any product page

      Navigate to the mattress or product you're interested in. Look for the Shop Pay Installments option displayed beneath the price.

    2. Click "Check your purchasing power"

      Select the installments link on the product page to open the eligibility check.

    3. Sign up or log in to Shop Pay

      You'll need a Shop Pay account. If you don't have one, signing up is free and takes under a minute.

    4. Review your available options

      If eligible, your available installment plans are displayed immediately. Choose the plan that works for you and continue to checkout. No obligation to purchase.

    Ready to get started?

    Checking your eligibility takes seconds and has no impact on your credit score. No obligation to purchase.

    *Rates from 0–36% 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.