Buy now, pay later online

With PayPal Pay Later, you can make purchases while spreading the cost over time. This means you can shop at various online retailers and choose to pay in installments. PayPal Pay Later options are particularly useful for making larger purchases, as it's more convenient to pay a hefty amount over time.

One of the primary reasons to choose PayPal Pay Later is the flexibility it provides: you can make purchases without the immediate financial burden of full payment. This means you can enjoy items right away while spreading the cost in manageable chunks over time. PayPal also often rewards users for their purchases, allowing you to earn points or cash back.

You can pay later when shopping online by selecting a PayPal Pay Later option at checkout. PayPal Pay Later is available at a number of online retailers. Learn how to checkout with PayPal.

Many popular online stores accept PayPal Pay Later. Retailers across various categories, including electronics, fashion, and home goods, allow you to take advantage of these payment options. Notable brands include Best Buy, eBay, and various fashion stores.

Using a PayPal Pay Later option does not affect your ability to get a refund. If you make a purchase using PayPal and need to return an item, you can still receive a refund according to the seller’s return policy. This means that regardless of whether you used Pay in 4 or Pay Monthly, you can get your money back if the item is eligible for a return. PayPal also offers purchase protection⁴, ensuring that your transactions are secure and that you can seek refunds when necessary.

When applying for PayPal Pay Later solutions, a soft credit check may be needed, but will not affect your credit score. You must be 18 years old or older when applying for Pay Later.

Pay in 4 is always interest-free, with no late fees or sign-up fees. With Pay Monthly, you will pay a fixed interest rate, which varies based on your credit, and you won't pay any late fees or sign-up fees.