Get cozy now, pay later

Make it a holiday season to remember and get the gifts they want now, but pay for them later. Just choose Pay in 4 at checkout at millions of online stores and split your payments in 4 - one every two weeks. It's interest-free and is backed by PayPal.*

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Pay in 4: Easy as 1-2-3.


Enjoy the power to pay later.

interest free.

Make interest-free payments
with Pay in 4*

Use it at millions of
online stores.

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

Check out is
fast and easy.

Just select Pay Later at checkout and
choose Pay in 4

It’s backed
by PayPal.

Get the same security and protection you already enjoy from PayPal

How to buy now and pay later

Watch the video and learn how Pay in 4 can help you
buy the things you love, want and need now, then pay
over time.

Now's the Time to Pay Later.

  • You can Pay in 4 at millions of online merchants.
  • Make interest-free payments with Pay in 4.*
  • You’ll get the same security and protection you expect from PayPal.
  • Payments are automatic and easy to manage through the PayPal app and

Still have questions? Check out our FAQs to learn more

See Our FAQs

* Pay in 4 is available upon approval for purchases of $30 - $600. Pay in 4 is not currently available to residents of Georgia, 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. 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 your credit score. You must be of legal age in your 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.

All screen images are for illustrative purposes only.

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