PayPal

Buy now, pay later with PayPal

Enjoy now. Pay Later.

PayPal is more than just a way to send and receive money online! It's also a flexible and convenient way to pay for your purchases over time. Whether you need to buy something now and pay later, or spread the cost of a larger purchase into monthly payments, PayPal has you covered with its Pay in 4, Pay Monthly, and PayPal Credit options.

No Late Fees

No late fees. Stretch your money with the power of Pay in 4¹ or Pay Monthly².

Widely available

Widely available. Shop at your favorite brands, and enjoy the peace of mind to pay later.

Quick decision

Easy on your credit score. Choose Pay in 4¹ and relax knowing it won't impact your credit score.

Backed by PayPal

Backed by PayPal. Enjoy Purchase and Fraud Protection on eligible purchases.³

Pay in 4
One payment down, 3 more to go. Split purchases between $30-$1,500 into 4 interest-free, bi-weekly payments without the stress of late fees.¹

Pay Monthly
Buy bigger, breathe easier. Enjoy the ease of 6, 12, or 24-month payment plans, $0 down, and no sign-up or late fees.²

	Pay in 4¹	Pay Monthly²
Purchase Amount	$30 to $1,500	$199 to $10,000
Number of payments	4 interest-free payments	6, 12, or 24 payments
Time between payments	Bi-weekly (1 down payment & 3 payments)	Monthly
APR	0%	9.99-35.99%. Rates as low as 4.99% may be available
Repayment method	Debit card, credit card, or confirmed bank account	Debit card or confirmed bank account
Purchase Protection3	Included	Included
Late fees	None	None*
Sign-up Fees	None	None
Autopay available	Automatically enrolled at time of purchase	Enroll in autopay at time of purchase or any time after
Credit score impact	None	Yes, if approved

Buy what you love now. Pay later.

Choose PayPal at Checkout

Then select Pay Later before picking a payment option.
payment options

Get a Decision in Seconds

Choose the installment plan that works for you.
finance terms

¹ Pay in 4 is available to consumers upon approval for purchases of $30 to $1,500. Pay in 4 is currently not available to residents of MO or NV. Offer availability depends on the merchant and also may not be available for certain recurring, subscription services. 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 CA residents are made or arranged pursuant to a CA Financing Law License. GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee. NM residents: Find more disclosures related to Pay in 4.

² Pay Monthly is subject to consumer credit approval. Fixed APR is 9.99-35.99% based on your credit. Rates as low as 4.99% from time to time. Terms may vary based on purchase amount. For example, a $600 purchase can be paid at 22% APR in 6 monthly payments ($106.51/mo.; $39.08 interest; $639.08 total of payments) or 12 monthly payments ($56.16/mo.; $73.88 interest; $673.88 total of payments). A $2,500 purchase can be paid at 22% APR in 24 monthly payments ($129.70/mo; $612.69 interest; $3,112.69 total of payments). 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 AK, HI, MA, NV, NY or TX. 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): CT Small Loan Licensee. RI Loan Broker Licensee. VT Loan Solicitation Licensee. VT residents: THIS IS A LOAN SOLICITATION ONLY. PAYPAL, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.