Shop Pay Installments | Buy Now Pay Later | Howling Moto

Shop Pay Installments - Flexible Payment Options

Upgrade your motorcycle with premium parts and accessories now, and pay over time with Shop Pay Installments. Split your purchase into easy payments with no hidden fees—making it easier to get the performance upgrades you need without the wait.

Why Choose Shop Pay Installments?

  • Quick decision: Get a real-time decision on your eligibility at checkout
  • Easy payments: Split your purchase into bi-weekly or monthly payments
  • No surprises: No late or hidden fees
  • 0% APR options: Available on qualifying purchases

How Shop Pay Installments Works

  1. Add motorcycle parts and accessories to your cart
  2. Check out with Shop Pay
  3. Choose the option to pay in installments
  4. Complete your purchase—first payment is due at checkout

The remaining payments are automatically charged to your card saved on Shop Pay based on the payment plan you chose. You'll receive an email reminder before each payment.

Payment Options Available

When checking out with Shop Pay, you have the option to pay now or later. Shop Pay Installments allows you to split your purchase amount into:

  • Four equal, biweekly payments with 0% APR
  • Monthly installments with no hidden or late fees*

Frequently Asked Questions

Which payment methods are accepted?

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 international customers use Shop Pay Installments?

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 purchase limit?

Yes, $20,000 USD is the order value limit that applies to purchases using Shop Pay Installments, including discounts, shipping, and taxes.

Can I use Shop Pay Installments in-store?

Yes, we offer Shop Pay Installments at our retail locations. Come visit us in store to learn more. An application only takes a few steps and you'll get a real-time decision in minutes.

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 payments or late payments might impact your credit score or your eligibility 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 happens if I return a purchase?

To request a refund, contact us using our return policy. 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.

Ready to Upgrade Your Ride?

Browse our selection of premium motorcycle parts, performance upgrades, tires, and accessories. With Shop Pay Installments, you can get the parts you need now and pay over time with flexible payment options.

Have more questions?

For additional questions about installment payments on Shop Pay, visit https://shoppay.affirm.com/.

*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.

If you finance your purchase with Affirm, your first payment is due approximately two weeks after your purchase is finalized. Please note that due to extended delivery times, your loan payment(s) may be due before you receive your purchase.