Buy now, pay later with PayPal

Pay in 4 is available to use at millions of online merchant sites where PayPal is accepted. Check out a list of some of the available brands here, search for your favorite brand, if available, save the deal, and create your own list. Transactions can be made in all currencies that PayPal supports, not just USD. For transactions not in USD, PayPal will automatically convert the transaction amount to USD at checkout before you apply for Pay in 4.

When applying for PayPal Pay in 4, a soft credit check may be needed, but will not affect your credit score. You must be 18 years old or older when applying for Pay Later.

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, and you won't pay any late fees or sign-up fees.

Yes. You can view your Pay Monthly remaining balance in the PayPal app by clicking Pay Later. There you can make additional payments as desired or pay off the loan in full at any time and you won’t be charged a fee or penalty if you do so.

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.