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

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Pay Monthly limited-time offer: 0% interest¹

Interest-free payments on purchases of $49 - $498 with a 3 month term.

Flex your spending

Pay over time with no late fees

Pay in 42 or Pay Monthly.1 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 credit score.

Peace of mind is built in

Enjoy Purchase Protection3 on your eligible items.

Pick a way to pay

Pay in 4

Split your purchase into 4 interest-free, bi-weekly payments.2

  • Purchases from $30 to $1,500

  • 4 payments over 6 weeks

  • No sign-up or late fees

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Pay Monthly

Enjoy the flexibility of 3, 6, 12, or 24-month payment plans with $0 down.1

  • Purchases from $49 to $10,000

  • Monthly installments

  • No sign-up or late fees

  • 0% APR for purchases of $49-498 with a 3 month term through July 7.1

Start shopping  
Compare our Pay Later features

Pay in 4^2^

Pay Monthly^1^

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 Bi-weekly (1 down payment & 3 payments) Monthly
APR 0%

9.99% to 35.99%

Limited time offer: 0% APR for purchases of $49-498 with a 3 month term through July 71

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, pay later:

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.

Get the most out

of Pay Later

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1
Pay Monthly is subject to consumer credit approval and eligibility. Fixed APR is 9.99-35.99%. 0% APR on a 3 month term is offered through July 7, 2025 on purchases of $49-$498.99. Eligibility varies and exclusions may apply. Terms and rates vary based on purchase amount and your credit. For example, for a limited time, a $200 purchase can be paid at 0% APR in 3 monthly payments ($66.66/mo.; $0.00 interest; $200.00 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, NC, or NV. 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. 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.
2
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 or NV. 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: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee. NM residents: Find more disclosures related to Pay in 4.
3
PayPal Purchase Protection is available on eligible transactions. Terms and limitations apply.
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