Enjoy the power to pay later

Interest-free always

Make 4 interest-free payments with Pay in 4.1 And there are no late fees, ever.

Widely available

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

Quick decision

There’s no impact on your credit score—you won’t have to wait long to see if you’re approved.1

Backed by PayPal

Get Purchase Protection on eligible purchases.2

Millions of stores. 4 equal payments.

Your shopping list? We’ve got you covered. That couch you’ve been eyeing? It’s yours, if approved. One payment down, just three to go.

Buy now, pay later with these top brands:

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

Choose PayPal at checkout

then select 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.

Keep track in the app

Make purchases and track your interest-free payments right from your phone.

Discover more ways to pay

Join the millions around the world who love PayPal

Easily and securely spend, send, and manage your transactions—all in one place. Download the app on your phone or sign up for free online.

A QR code you can scan with the camera on your phone to download the PayPal app

Scan the code or enter your number to get the app.

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