Frequently Asked Questions
How do refunds work for my outdoor living equipment?
If you decide to return an item, our standard Spotix return policy will apply to your transaction. Once we process the return and notify Affirm, your loan balance will be adjusted or a refund will be issued to your original payment method. Please continue to make your regularly scheduled payments until the refund is officially reflected in your Shop Pay account.
Can I pay off my Spotix purchase early?
You are free to pay off your balance at any time without any prepayment penalties or hidden fees. Settling your installment plan early can help you save on total interest costs associated with larger monthly payment plans. You can easily manage these payments by logging into the Shop app or your Affirm account whenever you are ready.
What payment methods are accepted for my installments?
Shop Pay Installments accepts valid debit and credit cards that are linked to a U.S. billing address. At this time, the system cannot process payments or set up installment plans using prepaid cards or international banking accounts. This ensures that your payments are processed securely and reliably through the automated Shop Pay system.
Will checking my eligibility impact my credit score?
No, checking your eligibility for Shop Pay Installments is considered a "soft" credit pull and will not affect your credit score. While some monthly installment plans may be reported to credit bureaus if you move forward with a loan, the initial check is entirely safe. This allows you to explore your financing options without worrying about a hard inquiry on your credit report.
