Tips & Tricks: Shopping with Pay in 4

Whether it’s for groceries, plane tickets, a new laptop, that comfy chair, or a seasonal outfit, buy now, pay later (BNPL) payment plans, like PayPal Pay in 4¹, offer shoppers the flexibility to pay over time. They can be a useful tool in a shopper’s belt, so here’s how to make the most of them while staying on top of your financial goals.

How to get the most out of Pay in 4 plans

While having flexibility can make shopping less of a headache, it remains important to do so with a plan in place and your financial situation top of mind. Follow these tips to make the most out of shopping with Pay in 4.

Stay organized

Organization is key when spending your money. Losing track of your finances can put you in a difficult spot if you make a purchase that pushes you out of your financial plan, so remember to stay on top of it all. You can utilize expense trackers to keep up with all your payments, manage your subscriptions, or simply organize your weekly, monthly, or yearly spending so you know whether the payments from a BNPL plan are compatible with your finances.

Search for sales

No one wants to pay more than they have to. Even if you’re in love with an item and just can’t wait to have it, keeping an eye on sales can help you get the best price and make your purchase even more worth it. Using a browser extension — like the PayPal Honey shopping extension — or setting up alerts for sales prices is a great way to ensure you’re getting the best bang for your buck.

Stick to your budget

Whether you have a personal budgeting plan in place or just keep your finances top of mind when spending, it’s important to always stick to your budget. You can utilize a spreadsheet, an app, or even a good old-fashioned notebook to do so. When getting ready to make a purchase with any BNPL method — whether it’s Pay in 4, Pay Monthly² or another plan — remember to make sure the payments will fit into your budget.

Looking to pay over time for your purchase? Learn more about PayPal’s buy now, pay later solutions here.