Pay Later Program

Latest Budget-Friendly Service Launching!

Shop Now- Pay Later Service Launching!

A warm welcome from Flowyline Design!

We are pleased to inform you that we’ve launched the new 0% interest installment feature on our website. This means you can purchase our products first and get the payment done later. 

With this feature, you are totally carefree about paying any interest in a fixed time ( every 2 weeks, three, six or twelve months depending on your option). As a furniture retailer, we understand that all furniture- conscious customers would like to choose the best-quality products within the budget without detriment to your shopping experience.

Thus, we’re willing to introduce Shop Pay’s interest-free installment plan that can help you buy amazing stuff and save a large sum of money! You’re able to use this wonderful feature via local and international banking systems any time. 

All you need to do is sign up for a shop Pay account and choose installment as your payment option. Then, you should follow the instructions on the page to complete the process.

Installment Policies

Installments

Shop Pay offers you various payment options such as paying full at checkout, or to split your purchase into regular payments with Shop Pay Installments. Last and foremost, the Shop Pay installment options vary by some stores and can be used on orders over $50 USD which includes discounts, shipping, and taxes.

Payment plans

Purchases between $50 USD to $17,500 USD are eligible for Shop Pay Installments, with options to:

Pay in 4 for purchases $50 to $999

Interest-free payments every 2 weeks

No impact to your credit score

Pay monthly for purchases $150 to $17,500

3, 6, or 12-month terms

Rates from 0-36% APR

No impact to your credit score to apply

Note:

  • Minimum purchase amounts may vary by retailer.
  • Shop Pay installment can be purchased online and in store.

FAQ With Shop Pay Installment 

How Do I Use Shop Pay Installments In Check Out? 

In order to pay for an order with an usage of Shop Pay Installments, you can go through the following steps:

  • Firstly, you add items to the cart.
  • Then you check out and use Shop Pay.
  • You select to pay in installments.
    1. You review all of the installment payment options that are available to them, and then choose an option.
    2. Finally, you review your purchase again, and then make your payment at checkout.

    Which Payment Methods Are Accepted?

    Shop Pay Installments is available for purchases made using a credit and debit card. Capital One cards aren't accepted. If you choose a monthly payment option, you can only pay with a debit card.

    Are There Any Eligibility Requirements And Credit Score?

    You must be over the age of 18, reside in the US, and be paying in USD to use Shop Pay Installments.

    Your credit scores aren't impacted if your purchase is split into 4 bi-weekly payments using Shop Pay Installments. If your purchase is split into monthly payments, then your payments may be reported to a credit bureau.

    Note: To use Shop Pay Installments you need a US shipping address.

    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*.
    (*) Note: 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 https://www.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.

    Can I buy gift cards with Shop Pay Installments?

    You can't purchase gift cards using Shop Pay Installments. If you want to purchase gift cards along with Shop Pay Installments eligible products, then you need to place two separate orders.

    Are there late fees?

    No, there are no late fees if you miss a scheduled payment. However, partial or late payments may affect your ability to use Shop Pay Installments in the future.

    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.

    If I Have More Questions?

    If you have further questions or concerns about the 0% interest installment policy, please visit via link  https://shoppay.affirm.com/

    We hope you will find it convenient and have the best shopping experience on our Flowyline Design website! Thank you for your support and interest!