Enjoy the power to Pay Later

No late fees

When you choose Pay in 41 or Pay Monthly2 there’s no risk of late fees. It’s that simple.

Widely available

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

Quick decision

You won’t have to wait long to see if you’re approved.1,2

Backed by PayPal

Get Purchase Protection on eligible purchases.3

Pay at a pace that works for you

Pay in 4

One payment down, 3 more to go. Split purchases between $30-$1,500 into 4 interest-free, bi-weekly payments without the hassle of late fees.1

Pay Monthly

Buy bigger, breathe easier. Enjoy the ease of 6,12, or 24-month payment plans, $0 down, and no sign-up or late fees.2

It’s a cinch to manage your plans

Manage payments in the app or online, with the benefit of autopay, to confidently keep track of your payments.

Compare Pay Later products

Pay in 41 Pay Monthly2
Purchase Amount $30 to $1,500 $199 to $10,000
Number of payments 4 interest-free payments 6, 12, or 24 payments
Time between payments Bi-weekly (1 down payment & 3 payments) Monthly
APR 0% 9.99% to 29.99%
Repayment method Debit card, credit card, or confirmed bank account Debit card or confirmed bank account
Purchase Protection3 Included Included
Sign-up and late fees None None

Pay Later with these top brands

Pay Later. Clear as 1-2-3.

Choose PayPal at checkout

then select Pay Later before picking a payment plan.

Get a decision in seconds

and choose the installment plan that works for you.

Make the remaining payments

in the app or online with the ease of autopay.

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.

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