Fatima Mobility provides Financing Through Affirm and Shop Pay which are financing alternatives to credit cards and other credit-payment products.
Shop Pay offers customers the option to pay in full at checkout, or to split their purchase into 4 equal, interest-free installment payments for orders between 50 USD and 3,000 USD. There are no additional charges, interest rates, or late fees passed on to customers.
Customers' credit scores aren't affected if they use Shop Pay Installments. However, if a customer doesn't pay their installment, or they make a late payment, then they might not be eligible to make purchases using Shop Pay Installments in the future.
When a customer views a product, the following information about Shop Pay Installments is displayed:
- Calculated installment payment amounts.
- Detailed information to customers who want to learn more about Shop Pay Installments.
- The latest compliance and regulatory information.
How it works
- Add items to your cart (or shopping bag).
- Check out with Shop Pay.
- Choose to pay in 4 installments.
Your first payment is either due at checkout or 2 weeks after your purchase. The next 3 remaining installments are automatically charged to your card saved on Shop Pay every 2 weeks. Don't worry, you'll get an email reminder before each payment to remind you.
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 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.
What if I make a return on a purchase made through Installments with Shop Pay?
If your refund amount is less than the amount remaining on your Shop Pay Installments balance, then you can expect one or both of the following:
- A smaller payment balance on the final payment
- Less future payments on the remaining loan balance
If your refund amount is more than the amount remaining on your Shop Pay Installments balance, then you can expect to receive the difference as a refund to your original debit card or credit card payment method within 3 to 10 business days.
Which payment methods are accepted if I use the option to pay Installments on Shop Pay?
The installments option on Shop Pay is available on debit and credit cards.
Have more questions
- 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.
Affirm offers instant financing for online purchases to be paid in fixed monthly installments.
With Affirm you can buy and receive your purchase right away and pay for it over several months. This payment option allows you to split the price of your purchase into fixed payment amounts that fit your monthly budget.
If Affirm approves your loan, you'll see your loan terms before you make your purchase. See exactly how much you owe each month, the number of payments you must make, and the total amount of interest you’ll pay over the course of the loan. There are no hidden fees.
The application process is secure and real-time. Affirm asks you for a few pieces of information. After you provide this information, Affirm notifies you of the loan amount that you’re approved for, the interest rate, and the number of months that you have to pay off your loan -- all within seconds.
You don’t need a credit card to make a purchase. Affirm lends to the merchant directly on your behalf.
You may be eligible for Affirm financing even if you don’t have an extensive credit history**. Affirm bases its loan decision not only on your credit score, but also on several other data points about you.
Before each payment is due, Affirm sends you an email or SMS reminder with the installment amount that is coming due and the due date. You have the option to sign up for autopay, so you don’t risk missing a payment.
How do refunds work
If you return an item and your return was approved by us, a refund is posted to your Affirm account once Affirm processes your refund request. If you have already made loan payments or a down payment, Affirm issues a refund credit to the bank account or debit card that you used to make the payments.
A refund credit appears in your account within three to ten business days, depending on your bank’s processing time.
You cannot edit your order after you have confirmed your loan. If you want to add items to your purchase, apply for another loan with Affirm or use a different payment method.
Refunds can be processed up to 365 days from the date your order is placed.