Frequently asked questions

Discover more ways to pay

Add Cards and Banks
 
PayPal Rewards
 
PayPal Credit Options
 
Pay with QR Code
 

All in the PayPal app

It’s your do-it-all digital wallet. Load up on rewards before you shop. Track your packages. And manage it all on the go.

Get the App
Get the App

Flex your spending

Pay over time with no late fees

Pay in 41 or Pay Monthly.2 You decide.

Available at millions of stores

Conveniently pay later online and in stores.

No impact to your credit with Pay in 4

Apply for our Pay in 4 option without impacting your credit score.

Peace of mind is built in

Enjoy Purchase Protection3 on your eligible items.

New

Purchase in store. Pay Monthly.

Buy an item in store you’d like to purchase now but would prefer to pay for over time.

Learn More

Pay in installments
your way

Pay in 4

Split your purchase into 4 interest-free,
bi-weekly payments.1

  • Purchases from $30 to $1,500

  • First payment due at time of purchase. Three interest-free payments after.

Pay Monthly

Enjoy the flexibility of 3, 6, 12, or 24-month payment plans with $0 down.2

  • Purchases from $49 to $10,000

  • $0 down at checkout with varying
interest rates

  • Available online and in store

How to buy now, pay later:

Check out with PayPal

Find PayPal Pay Later options at millions of online stores.

Pay in 4 or Pay 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.

Compare our
flexible options

Compare our Pay Later features
Pay in 4¹
Pay Monthly²
Availability
Online Both online and in store
Purchase amount
$30 to $1,500 $49 to $10,000
Number of payments
4 interest-free payments 3, 6, 12, or 24 payments
Time between payments
Two weeks (1 down payment &
3 payments) One month (for duration of term)
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
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

Get the most out

of Pay Later

Showing page 1 of 3

Buy now, pay later with PayPal

Enjoy now. Pay later.

Buy what you love. Break up your payments over weeks or months.

Start ShoppingSign Up
1
Pay in 4 is available to consumers upon approval for purchases of $30 to $1,500. Pay in 4 is currently not available to residents of MO. Offer availability depends on the merchant and also may not be available for certain recurring, subscription services. When applying, a soft credit check may be needed, but will not affect your credit score. You must be 18 years old or older to apply.: The lender for Pay
in 4 is PayPal, Inc. (NMLS# 910457). Loans to CA residents are made or arranged pursuant to a CA Financing Law License. RI Small Loan Lender Licensee. NM residents: Find more disclosures related to Pay in 4.
2
Pay Monthly is a consumer loan, and is subject to consumer credit approval and eligibility. In store single-use card is valid for one purchase and must be used within 24 hours of loan approval. Fixed APR is 9.99-35.99%. Terms and rates vary based on purchase amount and your credit. For example, a $200 purchase can be paid at 26% APR in 3 monthly payments ($69.56/mo.; $8.68 interest; $208.68 total of payments) . A $600 purchase can be paid at 26% APR in 6 monthly payments ($107.76/mo.; $46.57 interest; $646.57 total of payments) or 12 monthly payments ($57.33/mo.; $88.01 interest; $688.01 total of payments). A $1,500 purchase can be paid at 26% APR in 24 monthly payments ($80.77/mo; $438.47 interest; $1,938.47 total of payments). Payments may change based on shipping, taxes, updates to your purchase, or missed payments. Availability depends on the merchant and may not be available for subscriptions or recurring payments. Pay Monthly is currently not available to residents of AK, CT, HI or WA. You must be 18 years old or older to apply. Missed payments may have an impact on your credit score. The lender for Pay Monthly is WebBank. Marketing and program management by
PayPal, Inc. (NMLS # 910457).: RI Loan Broker Licensee. VT Loan Solicitation Licensee. VT residents: THIS IS A LOAN SOLICITATION ONLY. PAYPAL, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS. Servicing by Bill Me Later, Inc. (NMLS#2296861). NMLS Consumer Access.
3
PayPal Purchase Protection is available on eligible transactions. Terms and limitations apply.
All screen images are for illustrative purposes only.