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Article: Buy Now, Pay Later with Paypal

Buy Now, Pay Later with Paypal

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Buy now, pay later with Pay in 4

Check out at millions of online stores and split your purchase into 4 interest-free payments with no late fees. There’s no impact on your credit score and it’s backed by PayPal.1

Enjoy the power to pay later

An icon of 0 percent

It's interest free

Make 4 interest-free payments with Pay in 4.1

An icon of store

Use it at millions of online stores

Shop at your favorite brands and retailers, enjoy now and pay later.

An icon of around the clock

Get a decision in seconds

There’s no impact to your credit score—you won’t have to wait long to see if you’re approved.1

An icon of paypal logon on blue shield

It’s backed by PayPal

Get the same security and Purchase Protection you already enjoy from PayPal.2

Pay in 4 is as easy as 1-2-3

paypal pay in 4 easy steps

Choose PayPal at checkout, then tap Pay Later before selecting Pay in 4


Get a decision in seconds and make your first payment to complete the purchase


Make the remaining 3 payments, one every two weeks, in the app or online

Manage payments in the app

Make purchases and monitor your interest-free payments conveniently from your phone.

Get the app         

Check out at millions of online stores where you can Pay in 4:

Join over 400 million PayPal users

Easily and securely spend, send, and manage your transactions—all in one place.

Experience the new way to PayPal

Download the app on your phone or sign up for free online.

1 Pay in 4 is available to consumers upon approval for purchases of $30 - $1500. Pay in 4 is not currently available to residents of New Mexico, North Dakota, Missouri, South Dakota, Wisconsin, Nevada, Rhode Island, or any U.S. Territories. Loans to California residents are made or arranged pursuant to a California Finance Lenders Law License. PayPal, Inc. is a Georgia Installment Lender Licensee, NMLS #910457. For purchases made with Pay in 4 on or before September 30, 2021, late fees may apply for missed payments depending on your state of residency. When applying, a soft credit check may be needed, but will not affect your credit score. You must be of legal age in your U.S. state of residence to use Pay in 4. Offer availability depends on the merchant and also may not be available for certain recurring, subscription services. Offers are not pre-approved offers or firm offers of credit.

All screen images are for illustrative purposes only.

2 Available on eligile purchases. Limits apply. See PayPal Purchase Protection terms and conditions.

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