Flexibility to pay the way that works for you

Pay over time

Divide your purchase into interest-free installments with the power of Pay in 41 or Pay Monthly2.

Widely available

Shop at some of your favorite brands, and enjoy the peace of mind to pay later.

Easy on your credit score

Choose Pay in 41 and relax knowing it won't impact your credit score.

Buying with protection

Enjoy Purchase and Fraud Protection on eligible purchases.3

With Pay Later, you have options

Pay in 4

One payment down, 3 more to go. Split purchases between $30-$1500 into 4 interest-free, bi-weekly payments without the stress of late fees.1

Pay Monthly

Buy bigger, breathe easier. Enjoy the flexibility of 6, 12, or 24-month payment plans, $0 down, and no sign-up or late fees.2

How Pay Later works

Compare our Pay Later features
Pay in 41 Pay Monthly2
Purchase Amount $30 to $1500 $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% 9.99-35.99%. Rates as low as 4.99% from time to time.
Repayment method Debit card, credit card, or confirmed bank account Debit card or confirmed bank account
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
Soft credit check may be needed but will not affect your credit score.

Buy what you love now. Pay later.

Choose PayPal at checkout

Then select Pay Later before picking a payment option.

Get a decision in seconds

Choose the installment plan that works for you.

Make the remaining payments

Do it securely in the app or online with the ease of autopay.

Pay later with these top brands

Frequently asked questions

Trust the way you pay

Easily and securely spend, send, and manage your transactions—all in one place. Download the app on your phone or sign up for free online.

Scan the code or enter your number to get the app.

A QR code you can scan with the camera on your phone to download the PayPal app
By clicking Send Link you agree to receive a text message with a link to the PayPal app. Message and data rates may apply.