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Square Installments

Sell more when your customers can pay over time.

They get flexibility. You get paid up front.

Square Installments

A new payment option your customers will love.

With a monthly payment plan, they can buy what they want, when they want it.

Short application

It only takes a few steps and basic information to apply.

Up-front everything

They see their monthly plans and total fees before they accept.

No nonsense

No deferred interest, prepayment penalty, or surprises.

See how it works for customers.

Learn all about Square Installments, and see how simple the customer application is in the demo.

More business, less hustle.

Simply sell more.

By offering the freedom to break big purchases into smaller payments, Square businesses have found that approved customers buy more.

Get paid up front, risk-free.

We’ll send your customer a digital card to pay at checkout. You’ll get paid up front, and they’ll pay us back over time. If they ever miss a payment, it doesn’t affect you at all.

Set it up effortlessly.

Square Installments automatically works everywhere you take payments with Square. You’ll also be able to track all sales right from your Dashboard. No integration needed.

How to start selling with Installments.

Tell your customers
Share the program with an email, web banners, print pieces, and more. We’ll send you everything.

Customers apply
They fill out a short application from their own device. Payment plans up to 12 months are available, with rates from 0-30% APR.*

Checkout and Payment
If they’re approved and pick a plan, we’ll instantly send them a digital card. Type in the number on the card, and you’re paid!

Accepted with invoices, too.

Do you send invoices to your customers? Square Installments can be automatically added to your Square Invoices, so they can easily apply to finance a purchase right from their inbox.

  • If your business is eligible, you’ll get an email welcoming you to the program.
  • Send your invoices as usual—the option to pay in installments will automatically appear.

“With Square Installments we’re able to close more sales. More people who come in to test ride a bike end up buying a bike … It’s just simple, it’s easy, it’s integrated into our point-of-sale system, and works great for the client.”


No monthly fees. Here's what you pay.

Point of Sale


Virtual Terminal



2.9% + 30¢

Sign up in three easy steps.


Find out if Square Installments is available to your business by logging in to your Square Dashboard.


If your business is eligible, get started by watching a quick introduction video.


Answer a few questions to make sure you understand how it works, and you’re done. It takes less than 10 minutes.

Offer customers a payment option they’ll love.


  • Can I sign up for Square Installments if I don’t use Square for payments?

    You do need to use Square Invoices or the Square Point of Sale to sign up. We’re happy to talk through your options and see if you’re eligible. Contact Sales to learn more.

  • Will Square Installments impact my customer’s credit?

    All installment plans are subject to approval based on credit and other factors. Simply applying will not affect their credit, but if they are approved and choose a plan, their credit report will show an inquiry.

  • Are there monthly fees?

    There are no monthly fees. You only pay 3.5% at your Point of Sale or 2.9% + 30¢ if you send an invoice.

    There are also no long-term commitments and you can easily cancel anytime.

  • How do my customers apply?

    Customers will apply by visiting a Square Installments URL, customized specifically for your business. You can easily share the link with your customers through a QR code or text message—right from your Square Point of Sale. Learn more here.

  • What will my customers pay?

    Approved customers can choose to pay over 3, 6, or 12 months with rates from 0—30% APR.* APR is based on credit and other factors. Your customers will clearly see all costs with no surprise service fees, prepayment penalties, or deferred interest.

*All loans through the Square Installments program are issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC, located in Salt Lake City, UT. Merchant is an independent third party from Celtic Bank, Square, Inc., and Square Capital, LLC. APR is fixed and ranges from 0-30%. 10% down payment required but may be waived for qualifying applicants. Actual terms will be based on creditworthiness and other factors. For example, a 12 month $2,100.00 loan with 15.00% APR would have 11 monthly payments of $189.55 and 1 payment of $189.39. Loans are subject to credit approval. Program terms apply; click here for eligibility and program information. Endorsements are from actual Square Installment program participants who agreed to be featured in this advertisement. Numbers are for illustrative purposes only.