Buy now, pay later for restaurants

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.

PayPal Pay Later gives you the option to settle your restaurant bill now but spread the cost over weeks or even months. PayPal’s Pay in 4 is an interest-free loan that lets you split your bill into four equal payments. The first payment is due at the time of the transaction. The subsequent three payments are due every 15 days thereafter.

With PayPal Pay Later options, you can spread the cost of a big-ticket meal rather than pay for it in one hit. Spread the cost over time and manage your budget effectively.

You can only use PayPal Pay Later when ordering through a restaurant’s app, if the restaurant accepts PayPal as a payment option. Select PayPal at checkout and choose the PayPal Pay Later option that works for you. Upon applying, you’ll get a decision in seconds. Availability depends on your state of residence. You must be over 18 and have a PayPal account in good standing, or open an account to apply.

Check in advance that they accept PayPal, select PayPal when you want to pay your bill, and choose the PayPal Pay Later option that suits you. If you order food online or use an online ordering app in a restaurant, again, look for PayPal at checkout. Many online stores accept PayPal Pay in 4 alongside other forms of payment.

Yes. You can choose the option online when you order food deliveries if the company accepts PayPal.

When applying for PayPal Pay Later solutions, 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.