Enjoy now. Paylater.
Buy what you love. Break up your payments over weeks or months.
Flex your spending
Pay over time with no late fees
Pay in 41 or Pay Monthly.2 You decide.
Available at millions of stores
Safely pay later at sites around the world.
No impact to your credit score
Apply for Pay in 4 without impacting your creditscore.
Peace of mind is built in
Enjoy Purchase Protection3 on your eligible items.
Pay in 4
Split your purchase into 4 interest-free, bi-weekly payments.1
Purchases from $30 to $1,500
4 payments over 6 weeks
No sign-up or late fees
Pay Monthly
Enjoy the flexibility of 6, 12, or 24-month payment plans with $0 down.2
Purchases from $199 to $10,000
Monthly installments
No sign-up or late fees
| 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 35.99% |
| Repayment method | Debit card, credit card, confirmed bank account, or PayPal Balance (not available for autopay) | Debit card, confirmed bank account, or PayPal Balance (not available for autopay) |
| Purchase Protection3 | Included | Included |
| Late fees | None | None |
| Sign-up fees | None | None |
| Autopay available | Automatically enrolled at time of purchase | Optionally enroll in autopay at time of purchase or any time after |
How to buy now, paylater:
Check out with PayPal
Find PayPal Pay Later options at millions of online stores.
Pay in 4 or monthly
You choose how you’ll pay.
Get a decision
Find out if you’re approved in seconds. Then pick the plan that works best for you.
Make the payments
Do it securely in the app or online with the ease of autopay.
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Frequently asked questions
Discover more ways topay
All in
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PayPal app
It’s your do-it-all digital wallet. Load up on cash back offers before you shop. Track your packages. And manage it all on the go.
