Flexibility to pay the way that works for you

No interest charged

Make interest-free payments with Pay in 4.1

Widely available

Shop at millions of online stores around the globe.

No sign up or late fees

When you choose Pay in 4 there’s no risk of sign up fees or interest. It’s that simple.

Backed by PayPal

Get Buyer Protection on eligible purchases.2

Make payments every 2 weeks. Manage them in the app.

Pay in 4

Pay in 4 with no interest and no late fees. Divide eligible purchases between $30-$2,000 into 4 interest-free instalments, at millions of stores around the globe.1

It’s effortless to manage your plans

Confidently keep track of your payments. You can manage your repayments in the app or online or make a repayment earlier.

Get to know Pay in 4

Compare our Pay Later features
Pay in 41
Purchase Amount $30 to $2,000
Number of payments 4 interest-free payments
Time between payments The first payment at checkout, then three repayments, one every two weeks.
Interest None
Repayment method Debit card, credit card or bank account
Buyer Protection2 Included on eligible purchases
Sign-up and late fees None
Automatic payments Automatically enrolled at time of purchase

Use Pay in 4 with these top brands.

Check out now. Pay Later.

Choose PayPal at checkout

then select Pay in 4

Confirm payment dates

and divide your purchase into 4 interest-free instalments

Make the remaining payments

in the app or online with the ease of automatic payments.

Buy now, pay later FAQs

Join the millions around the world who love PayPal

Easily and securely spend, send, and manage your transactions—all in one place. Download the app on your phone or sign up for free online.

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

A QR code you can scan with the camera on your phone to download the PayPal app