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Buy now, pay later with Pay in 4

Get what you love now and pay for it later with Pay in 4. Our buy now, pay later option lets you split your purchase into four interest-free payments with no late fees.1

Enjoy the power to pay later

It's interest free

Make 4 interest-free payments with Pay in 4.1

Use it at millions of online stores

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

Get a decision in seconds

You won’t have to wait long to see if you’re approved, and your credit score isn’t affected.1

It’s backed by PayPal

Get the same security and Purchase Protection you already enjoy from PayPal.2

Pay in 4 is as easy as 1-2-3


Choose Paypal at checkout, then tap Pay Later before selecting Pay in 4.


Get a decision in seconds and make your first payment to complete the purchase.


Make the remaining 3 payments, one every two weeks, in the app or online.

Manage payments in the app

Make purchases and monitor your interest-free payments conveniently from your phone.

Get the app         

Pay in 4 at millions of online stores

Join over 400 million PayPal users

Easily and securely spend, send, and manage your transactions—all in one place.

Experience the new way to PayPal

Download the app on your phone or sign up for free online.

1 Pay in 4 is available to consumers upon approval for purchases of $30-$1,500. Pay in 4 is not currently available to residents of Missouri, Nevada, New Mexico, North Dakota, Wisconsin, or any U.S. Territories. Loans to California residents are made or arranged pursuant to a California Financing Law License. PayPal, Inc. is a Georgia Installment Lender Licensee, NMLS #910457. Rhode Island Small Loan Lender Licensee. When applying, a soft credit check may be needed, but will not affect your credit score. You must be of legal age in your U.S. state of residence to use Pay in 4. Offer availability depends on the merchant and also may not be available for certain recurring, subscription services.

All screen images are for illustrative purposes only.

2 Available on eligible purchases. Limits apply. See PayPal Purchase Protection terms and conditions.

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