Financing Options

ANJ is proud to offer Shop Pay as a finance option

Shop Pay is a service by Shopify (and partners like Affirm) that speeds up checkout for customers, letting them save shipping, billing, and payment info so future purchases go faster.
It also has a “Buy Now, Pay Later” / installment payment option called Shop Pay Installments.

How the Installments / Payment Plan Works

When checking out at a store that supports it, you can choose to pay over time instead of all at once.
The loan / installment plan is serviced by Affirm (in U.S. and Canada) in most cases.
There’s an eligibility check. Being approved depends on things like your credit / borrowing history, order size, etc.
Sometimes a down payment is required. And sometimes you’ll need to pay the first installment immediately or at checkout; other times it's delayed.
You can also pay off early (before the full term) without penalty.

What Kinds of Plans & What Interest They Charge

Here are the different plan types and interest/fee considerations:

Plan Type	Frequency / Term	Interest / APR	Impact on Credit Score / Other Notes
4 bi-weekly payments (split into 4 equal payments every two weeks)	Typically for smaller orders, split over ~1 month (4 payments every 2 weeks)	Often 0% APR (i.e. no interest) depending on eligibility.	Usually does not impact your credit score.
Monthly installment plans (over a few months)	Varies, could be 3-24 months depending on merchant & order size.	0-36% APR in the U.S. (depending on the plan & your eligibility). In Canada, up to ~31.99% for some plans.	Monthly plans may impact your credit (especially if repayments are reported or late etc.).

Price Range & Other Limits

Eligible order totals are between $35 to $30,000 USD (or CAD for Canadian shoppers).
For very large orders (e.g. above $20,000), a down payment may be required.
Not all merchants or states may support every type of plan. It depends on the store, their settings, and local laws.

Summary

In short:

You get either a 0% interest short split-plan (4 payments) or longer term plans with interest.
Interest can be as low as zero for some plans, or up to ~36% APR for other monthly installment options.
Whether you qualify for what interest or plan depends on your eligibility check (credit, order size, merchant).

How it works

Add items to your cart and choose Shop Pay at checkout.
Select either Pay in 4 or Monthly Installments.
Complete the quick, secure application (checking eligibility does not affect your credit score).
Review and accept the terms showing any interest rate and full repayment amount before placing your order.