Umpqua Dream Stream Nipper

For purchases of $50 or more, we accept Affirm and Shop Pay Installments to allow you to buy now and pay later with no late fees or surprises! Learn more about our financing options.

Learn more about Affirm

Pay at your own pace with Affirm

When inspiration strikes, Affirm helps you say yes without giving up financial control. Select Affirm at checkout to pay over time and never pay a penny more than you agree to on day one.

Prequalify Now

Choose 3, 6, or 12 monthly payments

For example, a $700 purchase might cost $64/mo over 12 months at 15% APR.

Buying with Affirm is simple

• 1. Fill your cart
  Select Affirm at checkout, then enter a few pieces of info for a real-time decision.
• 2. Choose how you pay
  Pick the monthly payment plan you like best. You'll never pay more than you agree to up front.
• 3. Pay over time
  Make payments at affirm.com or in the Affirm app. You'll get email and text reminders.

Buy with confidence

With Affirm, you always know exactly what you'll owe and when you'll be done paying.

• Transparent
  Affirm tells you up front the total amount you'll pay. That number will never go up.
• Flexible
  You choose the payment schedule that works for you.
• Fair
  Affirm won't charge you late fees or penalties of any kind, ever.

Have more questions?

• For questions about how Affirm works, visit https://www.affirm.com/how-it-works.
• For any other questions about Affirm, visit https://helpcenter.affirm.com/s/.

Learn more about Shop Pay Installments

How it works

• Add items to your cart (or shopping bag).
• Check out with Shop Pay.
• Choose the option to pay in installments.

Your 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. Don't worry, you'll get an email reminder before each payment to remind you.

Buy now, pay later with Shop Pay

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

FAQs

Are there late fees?

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

What is the option to pay in installments on Shop Pay?

When checking out with Shop Pay, you now have the option to pay now or later. Paying in installments on Shop Pay allows you to split your purchase amount into flexible installment payments.* Your first payment is due when you make your purchase.

What if I make a return on a purchase made through Installments with Shop Pay?

If your refund amount is less than the amount remaining on your Shop Pay Installments balance, then you can expect one or both of the following:

• A smaller payment balance on the final payment.
• Less future payments on the remaining loan balance.

If your refund amount is more than the amount remaining on your Shop Pay Installments balance, then you can expect to receive the difference as a refund to your original payment method within 3 to 10 business days.

Which payment methods are accepted if I use the option to pay Installments on Shop Pay?

The installments option on Shop Pay is available on debit cards.

Have more questions?

• For questions about installment payments on Shop Pay, visit https://shoppay.affirm.com.
• For questions about Shop Pay or the Shop App, visit https://help.shop.app.