You will see Pay in 4 as a payment method in the PayPal checkout, if both you and your purchase meet our eligibility criteria. For example, if your PayPal account is in good standing and your purchase is under $2,000 and not in a restricted category, e.g. gambling.

The first time you select Pay in 4 you will be prompted to accept the terms of the Pay in 4 Facility Agreement which will govern any future purchase you make with Pay in 4. After that, every time you choose to use Pay in 4 your proposed purchase will be assessed to see if you are eligible for credit. The PayPal Pay in 4 Facility is a continuing credit contract.

Pay in 4 is always interest-free, with no late fees or sign-up fees. Any applicable currency conversion or other charges will be applied in accordance with your User Agreement (Link)

With Pay in 4 your automatic payments will be set up at the time of purchase. You can manage your repayments through the PayPal app or online.

You can shop online with Pay in 4 just about everywhere PayPal is accepted. Some exclusions apply. Pay in 4 is not available instore.

We believe in responsible lending and we will make efforts to support customers who are experiencing financial difficulty. If you know you will be unable to make a repayment, the best thing to do is to contact us to discuss this in advance. Don’t wait until a payment is overdue, please call us on +61 2 8223 9500.

If you are experiencing financial hardship, you may also wish to seek advice from an independent service such as the National Debt Helpline or Financial Counselling Australia.

Pay in 4 is not available for use by business customers. But, as a business, you may be able to offer our buy now pay later solution to your customers at no additional cost to your business.

Pay in 4 Business page