Pick a way to pay
Pay in 4
Split your purchase into 4 interest-free, bi-weekly payments.
- ✔ Purchases from $30 to $1,500
- ✔ 4 payments over 6 weeks
- ✔ No sign-up or late fees
Pay Monthly
Enjoy the flexibility of 3, 6, 12, or 24-month payment plans with $0 down.
- ✔ Purchases from $49 to $10,000
- ✔ Monthly installments
- ✔ No sign-up or late fees
How It Works
Frequently Asked Questions
Who accepts PayPal Pay in 4?
Pay in 4 is available to use at millions of online merchant sites where PayPal is accepted. Transactions can be made in all currencies that PayPal supports, not just USD. For transactions not in USD, PayPal will automatically convert the amount to USD at checkout before you apply for Pay in 4.
Is a credit check required when applying for PayPal Pay Later offers?
When applying for PayPal Pay Later solutions, a soft credit check may be needed, but it will not affect your credit score. You must be 18 years old or older when applying.
Does Pay in 4 or Pay Monthly charge interest and fees?
Pay in 4 is always interest-free, with no late fees or sign-up fees. With Pay Monthly, you will pay a fixed interest rate, which varies based on your credit. There are no late fees or sign-up fees.
Can I pay off my Pay Monthly loan early?
Yes. You can view your Pay Monthly balance in the PayPal app by clicking Pay Later. From there you can make additional payments or pay off the loan in full at any time without fees or penalties.
Why use buy now, pay later (BNPL)?
Buy now, pay later solutions are excellent options if you want to make purchases more manageable by paying them off over time. Get what you want right away and break the payments up over weeks or months.
Financing is subject to credit approval. Terms may vary.