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Buy now, pay later with PayPal

Enjoy now. Pay later.

Buy what you love. Break up your payments over weeks or months.

Learn more

Flex your spending

Pay over time with no late fees

Pay in 41 or Pay Monthly.2 You decide.

Available at millions of stores

Safely pay later at sites around the world.

No impact to your credit score

Apply for Pay in 4 without impacting your credit score.

Peace of mind is built in

Enjoy Purchase Protection3 on your eligibl items.

2 ways to pay

Pay in 4

Split your purchase into 4 interest-free, bi-weekly payments.1

  • Purchases from $30 to $1,500
  • 4 payments over 6 weeks
  • No sign-up or late fees

Pay Monthly

Enjoy the flexibility of 3, 6, 12, or 24-month payment plans with $0 down.2

  • Purchases from $49 to $10,000
  • Monthly installments
  • No sign-up or late fees

How to buy now, pay later:

  • Check out with PayPal

    Find PayPal Pay Later options at millions of online stores.

  • Pay in 4 or monthly

    You choose how you’ll pay.

  • Get a decision

    Find out if you’re approved in seconds. Then pick the plan that works best for you.

  • Make the payments

    Do it securely in the app or online with the ease of autopay.

Pay in 41 Pay Monthly2
Purchase amount $30 to $1,500 $49 to $10,000
Number of payments 4 interest-free payments 3, 6, 12, or 24 payments
Time between payments Bi-weekly (1 down payment & 3 payments) Monthly
APR 0% 9.99% to 35.99%
Repayment method Debit card, credit card, confirmed bank account, or PayPal Balance (not available for autopay) Debit card, confirmed bank account, or PayPal Balance (not available for autopay)
Purchase Protection3 Included Included
Late fees None None
Sign-up fees None None
Autopay available Automatically enrolled at time of purchase Optionally enroll in autopay at time of purchase or any time after
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: 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 and eligibility. Fixed APR is 9.99-35.99%. Terms and rates vary based on purchase amount and your credit. For example, a $200 purchase can be paid at 26% APR in 3 monthly payments ($69.56/mo.; $8.68 interest; $208.68 total of payments). A $600 purchase can be paid at 26% APR in 6 monthly payments ($107.76/mo.; $46.57 interest; $646.57 total of payments) or 12 monthly payments ($57.33/mo.; $88.01 interest; $688.01 total of payments). A $1,500 purchase can be paid at 26% APR in 24 monthly payments ($80.77/mo; $438.47 interest; $1,938.47 total of payments). Payments may change based on shipping, taxes, updates to your purchase, or missed payments. 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, CT, HI, NC, or NV. 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): 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. 3 PayPal Purchase Protection is available on eligible transactions. Terms and limitations apply.

Frequently Asked Questions

Is a credit check required when applying for PayPal Pay Later offers?

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.

Does Pay in 4 or Pay Monthly charge interest and fees?

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.

Can I pay off my Pay Monthly loan early?

Yes. You can view your Pay Monthly remaining balance in the PayPal app by clicking Pay Later. There you can make additional payments as desired or pay off the loan in full at any time and you won’t be charged a fee or penalty if you do so.

Why use buy now, pay later (BNPL)?

Buy now, pay later solutions are excellent options if you want to make purchases more manageable by paying them off over time. Get what you want right away and break the payments up over weeks or months.