What is Pay in 4?

Pay in 4 is an interest-free installment plan that lets you split your purchase into 4 repayments, with the down payment due at the time of the transaction and 3 subsequent repayments made every 15 days thereafter.

How can I pay with Pay in 4?

Pay in 4 will appear as a payment method for eligible shopping cart values between US$30 to US$1,500 when you check out with PayPal. Upon applying, you’ll receive a decision within seconds, although not every application will be approved.

Availability depends on your state of residence, and you must be at least 18 years of age (or the age of majority in your state) to apply. You must also have a PayPal account in good standing or open a PayPal account to apply.

Are there terms and conditions for my Pay in 4 ?

Yes. You must read the  agreement for your Pay in 4 plan before you submit your application. You will see the link to the  agreement when you choose to apply for Pay in 4 at checkout. You will also have the option to download the  agreement.

Once your plan starts, we will send you an email containing important information about your Pay in 4 plan, including how to locate your plan agreement.

Are there any fees associated with Pay in 4?

PayPal does not charge any sign-up, application, late, or NSF fees when you pay with Pay in 4. However, if your repayment is returned because of non-sufficient funds or for another reason, your financial institution may charge you an NSF or other fee.

How long will my Pay in 4 plan last?

Your Pay in 4 plan will last a little over 6 weeks in total. The down payment will be due at the time of the transaction and 3 subsequent repayments will be taken every 15 days thereafter.

Why could I use Pay Later before but can’t now?

Pay in 4 eligibility will vary by  individual shopping experience. The Pay in 4 checkout option will be displayed if the option is available for the specific  transaction amount and type. Keep in mind, not all goods and services are eligible. If for some reason the items in your cart are not eligible for Pay in 4, the offer will not be available.

If your application gets declined, you can still use PayPal to check out securely or other payment methods .