Buy now, pay later for your next phone

PayPal Pay Later allows shoppers to pay for their online purchases in installments, instead of paying the whole cost upfront. With PayPal Pay Later you can split purchases from $30 to $10,000 and pay over weeks or months, depending on whether you choose to Pay in 4 or Pay Monthly. There are no late fees or sign-up fees. Next time you’re shopping for a new phone, look out for PayPal Pay Later options at checkout. It’s convenient to spread the cost with PayPal.

Spreading the cost of a new phone with PayPal Pay Later can sometimes be cheaper and easier to manage than signing up for a new phone contract. You can also commit to the payment period you’re most comfortable with. With Pay in 4, your new phone will be paid for in 6 weeks—with no interest—in just 4 payments. With Pay Monthly, you can choose monthly payments over 3, 6, 12, or 24 months with $0 down payment and fixed interest. You also have the flexibility to make unscheduled payments to clear your balance faster.

Whether you’re looking for a phone with a better camera or more storage, look for PayPal Pay in 4 or Pay Monthly at checkout. Many online stores give you the freedom to buy now and pay later with PayPal Pay Later options. To check out with a PayPal Pay Later option , simply choose the items you want to buy, go to checkout and select PayPal when it’s time to pay. You’ll be taken to your account where you can choose the PayPal Pay Later payment method that suits you. Either opt in for Pay In 4 or Pay Monthly. Get a decision in seconds.

You can use PayPal Pay Later at millions of online stores worldwide. Stores that sell smartphones online and offer PayPal Pay Later include Apple, Target, BestBuy, and more.

No, PayPal Pay Later options are only available at checkout when shopping online. Feel free to use another PayPal payment option available in store, such as Show to Pay with your QR code. Ask a salesperson before you buy to make sure they offer the PayPal option that suits you.

When applying for PayPal Pay in 4 and Pay Monthly for online shopping, 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 in 4 or Pay Monthly.

Using buy now, pay later options, such as PayPal Pay Later offerings, does not affect your ability to get a refund. If you return items purchased with PayPal's service, you can still receive a full refund for your items, just like you would with any other payment method. The refund will be processed according to the retailer's return policy, and your PayPal account will be updated accordingly.

If you don't receive your order, or it shows up significantly different than described, you may be eligible for a refund under PayPal’s Purchase Protection Program.⁴ Purchase Protection covers eligible items, including phone purchases, paid for with PayPal. Terms and limitations apply. Visit the PayPal Help Center to find out more about purchase protection and refunds.

There are no sign-up fees or interest with PayPal Pay in 4. The interest rate you get when you apply for PayPal Pay Monthly will vary depending on your credit history and account transaction history.