Pay in 4 is an installment loan that lets you split your purchase into 4 repayments, with the 1st payment due at the time of the transaction and 3 subsequent repayments made every 2 weeks thereafter.

Will I be able to use Pay in 4?

We are offering Pay in 4 to a growing number of our customers. Availability depends on your state of residence and you must be at least 18 years of age (or the age of majority in your state) to apply. You must also have a PayPal account in good standing or open a PayPal account in order to apply.

Pay in 4 is not available for certain merchants and goods. If you choose Pay in 4 as your payment method when you check out with PayPal, you will be taken through the application process. You will get a decision instantly but not everyone will be approved based on our internal checks.

How can I pay with Pay in 4?

Just choose to pay with PayPal when you shop online and if it is an eligible transaction, you will see Pay in 4 as one of the available payment methods. Simply apply for a Pay in 4 plan in just a few steps, get an instant decision, and finish checking out.

What purchase amounts qualify for Pay in 4?

You can use Pay in 4 for eligible shopping cart values between $30 to $1,500.

What are the terms and conditions for my Pay in 4 plan?

You must read the loan agreement of your Pay in 4 plan before you submit your application. You will see the link to the loan agreement when you choose to apply for Pay in 4 at checkout. You will also have the option to download the loan agreement.

Once your plan starts, we will send you an email containing important information about your Pay in 4 plan, including how to locate your loan agreement.

Are there any fees associated with Pay in 4?

There are no fees for choosing to pay with Pay in 4.

How long will my Pay in 4 plan last?

Your individual plan will last a little over 6 weeks in total. The down payment will be due at the time of the transaction and 3 subsequent payments will be taken every 15 days thereafter.

Where can I pay with Pay in 4?

Pay in 4 is available to use at selected merchants where PayPal is accepted. 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 providing you with your Pay in 4 plan. Currency conversion charges will apply as set out in your PayPal User Agreement.

Why was my pay in 4 application declined?

This preapproval is not a guarantee of approval and certain conditions as disclosed in the application apply. For privacy reasons, only you can see why your application was declined, but please check your message center for more details.

Why could I use Pay Later before but can’t with the same merchant now?
Pay Later eligibility will vary by merchant and individual shopping experience. The Pay Later checkout options will be displayed if the option is available for the specific merchant as well as the transaction amount and type. Keep in mind, not all goods and services are eligible. If for some reason the items in your cart are not eligible for Pay Later, the offer will not be available. Eligibility is also based on your state of residence, so, for example, you may be eligible for one Pay Later product, but not another.