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.

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Pay In 4: Easy as 1-2-3


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.

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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 $1,500. Use may impact a customer's credit score. Please see full terms and conditions for more details.