Buy Now, Pay Later
Split your order into 4 equal, interest-free payments with Shop Pay Installments. No credit check. No hidden fees. No interest — ever.
How Shop Pay Installments Work
Add to Cart
Shop as normal. When you're ready, go to checkout.
Select Shop Pay
At checkout, choose Shop Pay and opt into installments.
Split into 4
Your total is divided into 4 equal payments, due every 2 weeks.
Pay Nothing Extra
0% interest, 0% fees. You only ever pay the product price.
Example: $151.99 Order
Today
$38.00
0% interest
2 Weeks
$38.00
0% interest
4 Weeks
$38.00
0% interest
6 Weeks
$38.00
0% interest
Total paid: $152.00 — the same as paying upfront. No extra cost.
Frequently Asked Questions
Is there any interest or fee?
No. Shop Pay Installments is completely interest-free and fee-free. You pay exactly the product price, split into 4 equal installments due every 2 weeks.
Will this affect my credit score?
Shop Pay Installments uses a soft credit check that does not impact your credit score. There is no hard inquiry.
What orders qualify for installments?
Orders between $50 and $3,000 qualify for Shop Pay Installments. All orders at 4x4ModSource fall within this range.
How do I set up Shop Pay?
At checkout, select Shop Pay as your payment method and opt into installments. You'll verify your identity with a one-time passcode sent to your phone. It takes under 60 seconds.
What if I want to pay early?
You can pay off your remaining balance at any time with no penalty.