Pay in 4 with no interest and no late fees.

Divide your purchase into 4 interest-free instalments, at millions of stores around the globe.

Don’t have an account with PayPal yet? Create your account in seconds.

Sign up for Free

Pay In 4: Easy as 1-2-3

A phone displaying headphones using PayPal Pay in 4 option

Pay in 4 is fast, flexible & secure.

No interest charged

Make interest-free payments
with PayPal Pay in 4.

No sign-up or late fees

No sign-up fees or late fees on your purchases

Use it at millions of
online stores globally.

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

It’s backed
by PayPal.

Get the same security and buyer protection you already enjoy from PayPal.

Now is the time to divide and achieve with PayPal Pay in 4!

  • Make interest-free payments.
  • No late fees.
  • Get a decision in seconds.
  • Backed by the same security and PayPal Buyer Protection you expect from PayPal.
  • Available at millions of merchants online.

PayPal Pay in 4 is available for your business. Offer your customers our buy now, pay later interest-free solution at no additional cost to your business.

Visit Buy Now Pay Later

Facing financial hardship?

We will work with customers who are experiencing financial difficulty. If you know you will be unable
to make a repayment, the best thing to do is to contact us.
To discuss your repayments or to let us know you are experiencing financial hardship, please call us on
+61 2 8223 9500.

If you are experiencing financial hardship, you may wish to seek advice from an independent service
such as the National Debt Helpline ( or Financial Counselling Australia

Still have questions? Check out our FAQs to learn more

See Our FAQs

Sometimes we may disclose your personal information to a credit reporting body. To find out more about our credit reporting practices please see our statement of notifiable matters here.

*PayPal Pay in 4 is provided by PayPal Credit Pty Limited (ACN 600 629 258) to Australian residents and is subject to eligibility criteria and credit application. Available on eligible transactions between AU$30 and $2,000. Use may impact a customer's credit score. Please see full terms and conditions for more details.

Terms & Conditions:

1 Offer is available to eligible PayPal account holders and availability may depend on merchant, transaction type and amount.

2 PayPal Pay in 4 allows you to pay for eligible purchases valued between AU$30 and $2,000 in 4 interest-free instalments.

3 Your first instalment is due at the time you make your purchase. The next 3 instalments are due every 2 weeks after your first instalment.

4 There is no sign-up fee and repayments are made automatically from your PayPal account using the payment method you select.

5 You may repay the amount you owe in full at any time, without any fees or charges.

6 If an instalment amount is advertised, it is based on the advertised purchase price and may not include additional costs like shipping, insurance, currency conversion, etc.

7 When you apply, we may carry out a credit check and if you miss a repayment, it may impact your credit rating.

8 Please see terms and conditions for full details.

9 For more information about how PayPal handles your personal information please refer to our Privacy Statement.

10 To read the Target Market Determination for this product, see the Legal Hub.

We'll use cookies to improve and customise your experience if you continue to browse. Is it OK if we also use cookies to show you personalised ads? Learn more and manage your cookies