Buy what you love now and pay later.
For our American customers, you’ve got options when you pay with PayPal. Pay now, or pay later!
PayPal offers a couple of different options when it comes to their buy now, pay later options:
Pay in 4
Split purchases into 4 payments!
Pay a quarter of the price at the time of purchase, then pay the remaining three payments in bi-weekly payments. This option is available for orders between $30-$1,500.
Pay monthly
Buy big, borrow bigger. For orders with a higher price tag, you can buy with $0 and your choice of 6, 12, or 24-month payment plans.
How do I use it?
Using PayPal's Pay Later options are super easy!
- Add something you love to your cart
- Head to checkout
- Choose PayPal at checkout
- Get a decision in seconds
- Enjoy your order and make payments
Pay Later FAQs
Does buy now, pay later charge interest and fees?
Pay in 4 is always interest-free with no late fees or sign-up fees. Pay Monthly includes simple interest depending on your APR, but you won’t pay any late fees or sign-up fees.
How do I set up automatic payments?
With Pay in 4, you’ll automatically be enrolled in auto payments at the time of purchase. With Pay Monthly, you’ll have the option to enroll in autopay at the time of purchase, or any time afterwards to ensure you don’t miss making a payment. You can manage autopay in your account on the PayPal site or on their app.
Pay in 4 is currently not available to residents of Missouri or Nevada. 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. PayPal, Inc.: Loans to California residents are made or arranged pursuant to a California Financing Law License. Georgia Installment Lender Licensee, NMLS #910457. Rhode Island Small Loan Lender Licensee. New Mexico residents: Find more disclosures related to Pay in 4.
Pay Monthly is subject to consumer credit approval. Payments may change based on shipping, taxes, updates to your purchase, or missed payments. Offer availability depends on the merchant and may not be available for subscriptions or recurring payments. Pay Monthly is currently not available to residents of Alaska, Hawaii, Massachusetts, Nevada, New York or Texas. 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): Connecticut Small Loan Licensee. Rhode Island Loan Broker Licensee. Vermont Loan Solicitation Licensee. Vermont residents: Find more disclosures by going to PayPal's page on Pay Later.
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