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 credit score.

Peace of mind is built in

Enjoy Purchase Protection3 on your eligible items.

2 ways to pay

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

  • Purchases from $49 to $10,000

  • Monthly installments

  • No sign-up or late fees

Compare our Pay Later features
Pay in 41 Pay Monthly2
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%
Repayment method Debit card, credit card, confirmed bank account, or PayPal Balance (not available for autopay) Debit card, credit 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.

Pay later with these brands and more

Frequently asked questions

Discover more ways to pay

All in

the new

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.