Dear friends and clients,

It is always my goal to make the high quality products and events offered on my website accessible to as many light workers as possible.  I am so happy to offer a solution that could make a big difference for many. 

If you follow the process below, you can see what ShopPay, the payment system through my website, will offer you in terms of APR and schedule.  I hope this is helpful! Blessings,


Now you can buy today and pay in 4 or more payments starting at 0% APR.  (Not available in addition to discount codes)

To use Shop Pay Installments, all you do is this:
1) At checkout, choose Shop Pay as your payment method
2) Choose "Pay in Monthly Installments" and authorize purchase
3) View and choose your payment plan

You can choose not to use Shop Pay Installments at any time in the payment process, and there is no impact to your credit score to view your options!

Quick decision Get a real-time decision on your eligibility.

Easy payments Split your purchase into easy bi-weekly or monthly payments.

No surprises No late or hidden fees.

Here is the way it works:

Once you apply, Affirm will view your credit to determine the APR and plans available to you.  

When using Shop Pay installments, there will be no impact to your credit score since Affirm doesn't conduct a hard credit pull or report to the credit bureaus. However, late payments and non-payments may affect your ability to pay with Shop Pay installments in the future.

When you choose Shop Pay at checkout, you can split your purchase into flexible installment payments.*

*Rates from 0-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required. State notices to consumers


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.

Are there late fees?

No, there are no late fees if you miss a scheduled payment.

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.


Thank you for your time and consideration.  Let me know if you have any further questions.