Pay in 4 lets eligible consumers make a purchase and pay for it in four, interest-free payments.1
PayPal Credit is a digital/revolving credit line that includes a six-month special financing offer on purchases of $99+. See consumer terms.2
Tap into our powerful network of 400+ million active accounts.
Businesses with pay-over-time messaging on their site saw a 56% increase in overall PayPal annual order volume.3
Millenial and Gen Z consumers trust PayPal for buy now, pay later options more than any other brand.4
You get paid up front, while your customers pay later.
We’re rated the most trusted brand across buy now, pay later providers.5
With Pay in 4, your customers have an interest-free option to buy now and pay later.
You get paid in full up front while PayPal takes care of billing and collecting payments.
Our pay later solutions let you expand your customers' buying power without taking on additional costs or risk. Talk to a Pay Later specialist today.
of PayPal Credit users are more likely to make another purchase from a store if the retailer offers PayPal Credit4
more trusted by millennials to keep their financial information secure than other buy now, pay later options5
of PayPal Credit users say they are much more likely to make repeat purchases from an online store offering PayPal Credit4
There are a lot of companies out there offering pay in 4 products, but they do not have PayPal’s ubiquity and trust. It’s PayPal’s brand that sets Pay in 4 apart. Personally, I will not shop on a site that does not offer PayPal.
Chief Strategy Officer
JTV (Jewelry Television)
Learn how to automatically present your shoppers with the most relevant Pay Later options as they check out.Download the guide
Millennial and Gen Z consumers don't fear credit, but they are looking for little-to-no interest.Get the report
1 Pay in 4 is available upon approval for purchases of $30 - $1500. Pay in 4 is not currently available to residents of New Mexico, North Dakota, South Dakota, Missouri, Wisconsin, or any U.S. Territories. Loans to California residents are made or arranged pursuant to a California Finance Lenders Law License. PayPal, Inc. is a Georgia Installment Lender Licensee, NMLS #910457. For purchases made with Pay in 4 on or before September 30, 2021, late fees may apply for missed payments depending on your state of residency. When applying, a soft credit check may be needed, but will not affect the customer’s credit score. Customers must be of legal age in their U.S. state of residence to use Pay in 4. Offer availability also depends on the merchant. Offers are not pre-approved offers or firm offers of credit.
2 PayPal Credit is subject to consumer credit approval.
3 Average lift in overall PayPal AOV for merchants with PayPal Credit messaging vs. those without, 2019 PayPal internal data.
4 An online study commissioned by PayPal and conducted by Netfluential in November 2020, involving 1,000 US online shoppers ages 18-39: Gen Z (18-23) and Millennials (24-39)
5 An online study commissioned by PayPal and conducted by Netfluential in November 2020, involving 1,000 US online shoppers ages 18-39.