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Paypal Pay In 3 Splash Header Paypal Pay In 3 Splash Mobile


PayPal Pay In 3 Step One

Place an order
head to check out.

PayPal Pay In 3 Step Two

Select PayPal as your payment option, log in to your account with PayPal, and apply for Pay in 4.

PayPal Pay In 3 Step Three

If approved, place your order and you’re done! A down payment will be collected and PayPal will automatically charge your following payments bi-weekly.

HOW DO I USE PayPal pay in 4?

Pay in 4 interest-free payments on orders between $30-$1500*. Your loan will last 6 weeks in total. The first payment will be due at the time of purchase, followed by 3 additional payments due bi-weekly after that. Pay in 4 is a form of credit, so carefully consider whether you can afford the repayments. It may not be suitable for everyone. See terms here.

What you need to get Started

  • An eligible repayment method for automatic repayments
  • Be of legal age in your U.S. state of residence
  • Reside in an eligible U.S. state, see terms below for details
  • An account with PayPal in good standing so you can apply for Pay in 4


How will my PayPal pay in 4 transaction appear in my PayPal activity?

Every PayPal Pay in 4 transaction will appear in your PayPal activity feed as the full purchase amount under the relevant merchant’s name as a ‘purchase’. This is to reflect the initial total purchase amount and is not reflective of the PayPal Pay in 4 installment plan or any payments already made using your eligible repayment method. By using PayPal Pay in 4, PayPal pays the merchant upfront and divides the original purchase amount into 4 interest-free payments. The down payment is processed on the date of purchase and the next three payments are automatically taken bi-weekly. The down payment and subsequent three payments will also each be reflected as separate payment transactions in your PayPal activity and represent the actual repayments made towards your total purchase amount.

What is PayPal pay in 4?

PayPal Pay in 4 is an interest-free loan that lets you split your total purchase of $30-$1500 into 4 payments, with the first payment due at time of purchase and subsequent payments due bi-weekly thereafter. It’s a great way to spread the cost of items over time, and can help you manage your budget more effectively. Please note that Pay in 4 is a form of credit, so carefully consider whether you can afford the repayments.

Will Applying for PayPal pay in 4 impact my credit score?

As part of their Pay in 4 application, some customers may require a soft credit check; however, there will be no impact to their credit score.

Are there any late fees associated with PayPal pay in 4?

There are no application fees or late fees for choosing to pay with PayPal Pay in 4.

Why is there a pending authorization shown in my PayPal activity for my PayPal pay in 4 transaction?

When making a purchase with PayPal Pay in 4, we will place a pre-authorization hold on your eligible repayment method for an amount equal to the initial down payment or one fourth of your total purchase amount. This will show as a pending authorization in your PayPal account activity and also in the financial institution associated with your repayment method. Once you complete your purchase with PayPal Pay in 4 and the merchant ships your goods, the pending authorization will be removed and the initial down payment will be withdrawn from your repayment method. If you do not complete your PayPal Pay in 4 transaction, the pending authorization will be automatically voided by PayPal within 72 hours of the pre-authorization hold.

Why didn't my payment go through?

There are several reasons PayPal may not have been able to complete your scheduled payment, including if there were insufficient funds on your debit card, credit card or bank account, or if your card hasn't been confirmed.
If you need to change or update your repayment method, you can do so by logging into your account with PayPal, going to PayPal Pay in 4, and selecting the PayPal Pay in 4 plan you want to change. There, you can click “Change” under “Payment Method” to update your information or choose a new way to pay.

I still have questions regarding Pay in 4, how can I get in touch?

Visit PayPal's Customer Service for ways to reach them or click here for more information on how to buy now and pay later with PayPal.

*Pay in 4 is available to consumers upon approval for purchases of $30-$1,500. Pay in 4 is not currently available to residents of Missouri or Nevada. Loans to California residents are made or arranged pursuant to a California Financing Law License. PayPal, Inc. is a Georgia Installment Lender Licensee, NMLS #910457. Rhode Island Small Loan Lender Licensee.NM residents: Find more disclosures related to Pay in 4. When applying, a soft credit check may be needed, but will not affect your credit score. You must be 18 years of age or older to use Pay in 4. Offer availability depends on the merchant and also may not be available for certain recurring, subscription services.