Paypal has 2 Pay Later options. 1)Pay in 4 where you can choose this and if approved, pay for your item in 4 installments. The first payment is due at the time of purchase(although if you use your checking account it can take a few days before the 1st payment actually gets taken out). You are able to use Pay in 4 from 
1500 on each purchase(broken down into 4). Just be aware the higher value your item is the harder it might be to get approved 2)Pay Monthly - this is where you can split your payments into once a month for either 6, 12 or 24 months depending on the value. You can use this for high ticketed items of up to $10,000 and the minimum is $200. I have used Pay in 4 a lot and I like it but I like Pay Monthly better. It's just harder to get approved for it. They both do a soft credit check but imo Pay Monthly has some harder criteria to get approved. I have 4 Pay Monthly plans going now and I love it because you don't have to pay anything for a month after you get approved which is great. Hope that helps. Answer from SteelersPoker on reddit.com
1500 on each purchase(broken down into 4). Just be aware the higher value your item is the harder it might be to get approved 2)Pay Monthly - this is where you can split your payments into once a month for either 6, 12 or 24 months depending on the value. You can use this for high ticketed items of up to $10,000 and the minimum is $200. I have used Pay in 4 a lot and I like it but I like Pay Monthly better. It's just harder to get approved for it. They both do a soft credit check but imo Pay Monthly has some harder criteria to get approved. I have 4 Pay Monthly plans going now and I love it because you don't have to pay anything for a month after you get approved which is great. Hope that helps. Answer from SteelersPoker on reddit.comPayPal
paypal.com › us › pm-gse
Pay Monthly
Transfer money online in seconds with PayPal money transfer. All you need is an email address.
PayPal
paypal.com › us › digital-wallet › ways-to-pay › buy-now-pay-later
Buy Now Pay Later | Pay in 4 | Pay Monthly | PayPal US
Use PayPal's Buy Now Pay Later App to pay at your favorite retailers. Select a Pay Later offer at checkout, Pay in 4 or Pay Monthly, for qualifying purchases.
Videos
00:48
PayPal Pay Later: How to Make Payments - YouTube
01:22
PayPal Pay Later: How to Set up, Use, and Manage - YouTube
01:01
PayPal Pay Later: How to Get Started - YouTube
01:11
How to Pay Monthly in store - YouTube
It's time we shop smarter not harder with the help of the new ...
00:43
PayPal Pay Later: How to Manage Payments - YouTube
Who accepts PayPal Pay in 4?
Pay in 4 is available to use at millions of online merchant sites where PayPal is accepted. Check out a list of some of the available brands here, search for your favorite brand, if available, save the deal, and create your own list. Transactions can be made in all currencies that PayPal supports, not just USD. For transactions not in USD, PayPal will automatically convert the transaction amount to USD at checkout before you apply for Pay in 4.
paypal.com
paypal.com › us › digital-wallet › ways-to-pay › buy-now-pay-later
Buy Now Pay Later | Pay in 4 | Pay Monthly | PayPal US
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.
paypal.com
paypal.com › us › digital-wallet › ways-to-pay › buy-now-pay-later
Buy Now Pay Later | Pay in 4 | Pay Monthly | PayPal US
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.
paypal.com
paypal.com › us › digital-wallet › ways-to-pay › buy-now-pay-later
Buy Now Pay Later | Pay in 4 | Pay Monthly | PayPal US
PayPal
paypal.com › us › cshelp › article › questions-about-pay-monthly-applications-help845
Questions about Pay Monthly Applications | PayPal US
To apply, you’ll need to create a PayPal account (if you don’t already have one) and complete the Pay Monthly installment loan application by entering and/or confirming your personal information, including your US residential address, phone number/type, date of birth, your Social Security Number (SSN) or Individual Tax Identification Number (ITIN), and annual income after taxes.
Trimleaf
support.trimleaf.com › en-US › how-do-you-apply-for-paypal-pay-in-4-or-pay-monthly-427756
How do you apply for PayPal Pay in 4 or Pay Monthly ?
Select "Pay Later": You'll be redirected to PayPal's website. Instead of selecting "Pay Now," choose the "Pay Later" option. Enter Billing Information: Fill in the required information, including your billing address, credit or debit card details for billing. Select Payment Terms: Choose your preferred payment terms for Pay in 4 (split into four payments) or Pay Monthly (longer-term financing).
PayPal
paypal.com › us › cshelp › article › questions-about-pay-monthly-repayments-help852
Questions about Pay Monthly Repayments | PayPal US
You can make one-time payments on your loan using your PayPal balance, a debit card, or a confirmed bank account in your PayPal Wallet. Payments can be made online, through the PayPal app or PayPal.com, with a specialist over the phone, or by setting up autopay. You cannot change the due dates ...
Reddit
reddit.com › r/paypal › is the pay later option monthly, weekly, or every 2 weeks?
r/paypal on Reddit: Is the Pay later option monthly, weekly, or every 2 weeks?
March 29, 2024 -
Im about to get a ps5, i have the money to just purchase in full but I feel this woulf be financially safer but im unsure of how this works.
Top answer 1 of 2
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Paypal has 2 Pay Later options. 1)Pay in 4 where you can choose this and if approved, pay for your item in 4 installments. The first payment is due at the time of purchase(although if you use your checking account it can take a few days before the 1st payment actually gets taken out). You are able to use Pay in 4 from $30 to a max of $1500 on each purchase(broken down into 4). Just be aware the higher value your item is the harder it might be to get approved 2)Pay Monthly - this is where you can split your payments into once a month for either 6, 12 or 24 months depending on the value. You can use this for high ticketed items of up to $10,000 and the minimum is $200. I have used Pay in 4 a lot and I like it but I like Pay Monthly better. It's just harder to get approved for it. They both do a soft credit check but imo Pay Monthly has some harder criteria to get approved. I have 4 Pay Monthly plans going now and I love it because you don't have to pay anything for a month after you get approved which is great. Hope that helps.
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Abbreviations used in r/PayPal : NAD - Not as described. SNAD - Significantly not as described. INR - Item Not Received. UAT - Unauthorized transaction. OP - Original poster of the message. F&F - Friends and Family (no protection at all.) G&S - Goods and/or Services (has seller/buyer protection.) Posts about PayPal's policies will be removed. No more complaining about PayPal policy and their taking funds from your account for violations of rules. If you don't like the rules don't use PayPal. If you don't want to lose money, don't leave funds in your PayPal account. Simple as that. But these posts are often political or misleading. So no more posts on this subject! Thank you for submitting to r/PayPal , please make sure you have read the FAQ . If your account was created when you were younger than 18, then that is covered in the FAQ! Try contacting PayPal support using social media such as Facebook or Twitter as this works more often than telephoning. I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.
PayPal Newsroom
newsroom.paypal-corp.com › 2022-06-15-PayPal-Introduces-Pay-Monthly-to-Give-Consumers-More-Choice-at-Checkout
Press Release: PayPal Introduces 'Pay Monthly' to Give Consumers More Choice at Checkout - Jun 15, 2022
Once a customer selects Pay Monthly, they will complete an application at checkout and, if approved, will be presented with up to three different plans of varying lengths with risk-based APR ranging from 0%-29.99%. Customers can then compare ...
PayPal
paypal.com › us › cshelp › article › what-is-pay-monthly-help839
What is Pay Monthly? | PayPal US
You must also be at least 18 years ... open a PayPal account) to apply. Pay Monthly can be used only for a single purchase transaction. Each time you wish to use Pay Monthly to finance a transaction, you must apply for a new Pay Monthly installment loan. You'll be taken through the application ...
PayPal Community
paypal-community.com › t5 › Products-Services-Archives › How-do-I-apply-for-monthly-payment-option › td-p › 3068270
How do I apply for monthly payment option - PayPal Community
Pay Monthly is a way for PayPal ... offered to eligible customers during the PayPal online checkout experience thus if you see it being offered as a payment method, click on it to apply....
PayPal
paypal.com › us › cshelp › article › how-is-my-pay-monthly-application-assessed-help849
How is my Pay Monthly application assessed? | PayPal US
PayPal reviews Pay Monthly applications based on credit score, transaction history, and account age. If declined, other payment methods can still be used.
PayPal
about.pypl.com › news-details › 2022 › PayPal-Introduces-Pay-Monthly-to-Give-Consumers-More-Choice-at-Checkout › default.aspx
PayPal, Inc. - PayPal Introduces 'Pay Monthly' to Give Consumers More Choice at Checkout
Once a customer selects Pay Monthly, they will complete an application at checkout and, if approved, will be presented with up to three different plans of varying lengths with risk-based APR ranging from 0%-29.99%. Customers can then compare ...
PayPal
paypal.com › us › cshelp › article › how-do-i-use-pay-monthly-help842
How do I use Pay Monthly? | PayPal US
You must also have a PayPal account ... open a PayPal account to apply. Pay Monthly can be used only for a single purchase transaction. Each time you wish to use Pay Monthly to finance a transaction, you must apply for a new Pay Monthly installment loan. You'll be taken through the application ...
Reddit
reddit.com › r/paypal › paypal pay monthly credit check hard or soft??????????????
r/paypal on Reddit: PayPal Pay monthly credit check hard or soft??????????????
October 6, 2025 -
Im getting so many conflicting answers on if pay monthly is or isnt a hard credit inquiry. I used their chat AI who says its a soft pull. Google says its a hard pull, but if I ask a different way it says its a soft pull. Ive searched reddit and its both soft pull or hard pull depending whos answering. I just got off the phone with their customer service to ask them and she didnt know as she wasn't familiar with pay monthly option, just kept saying PayPal credit, which, at check out, is a completely separate option. Does anyone really know the actual answer to this? Im trying to get an answer ASAP as the item needs to be ordered today before I go out of town Saturday so it will be here before then.
Top answer 1 of 3
1
Abbreviations used in r/PayPal : NAD - Not as described. SNAD - Significantly not as described. INR - Item Not Received. UAT - Unauthorized transaction. OP - Original poster of the message. F&F - Friends and Family (no protection at all.) G&S - Goods and/or Services (has seller/buyer protection.) Posts about PayPal's policies will be removed. No more complaining about PayPal policy and their taking funds from your account for violations of rules. If you don't like the rules don't use PayPal. If you don't want to lose money, don't leave funds in your PayPal account. Simple as that. But these posts are often political or misleading. So no more posts on this subject! Thank you for submitting to r/PayPal , please make sure you have read the FAQ . If your account was created when you were younger than 18, then that is covered in the FAQ! Try contacting PayPal support using social media such as Facebook or Twitter as this works more often than telephoning. I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.
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For what it's worth, PayPal says Soft. Does applying for Pay Monthly impact my credit score? Applying for Pay Monthly will not impact your credit score. If your Pay Monthly installment loan is approved and used, PayPal may report your Pay Monthly installment loan to credit reporting agencies. This will include information like your loan amount and payment history, which may impact your credit score. https://www.paypal.com/us/cshelp/article/questions-about-pay-monthly-applications-help845
PayPal
paypal.com › us › digital-wallet › ways-to-pay › buy-now-pay-later › pay-later-in-store
PayPal Pay Later in Store | PayPal US
Download the PayPal app on your iOS or Android device. ... Enter the amount you’d like for your purchase and apply. ... Find out if you are approved. If approved, pick to repay over 3, 6, 12, or 24 months.
Reddit
reddit.com › r/paypal › pay monthly plan
r/paypal on Reddit: Pay Monthly plan
April 10, 2024 -
So I have a PayPal credit card, use pay in 4, and have PayPal credit. I’ve never used PayPal Pay monthly. I want to buy something that’s $2,100 plus tax. Does the PayPal pay monthly have a max money you can use? Like the CC or credit
Top answer 1 of 4
1
Abbreviations used in r/PayPal : NAD - Not as described. SNAD - Significantly not as described. INR - Item Not Received. UAT - Unauthorized transaction. OP - Original poster of the message. F&F - Friends and Family (no protection at all.) G&S - Goods and/or Services (has seller/buyer protection.) Posts about PayPal's policies will be removed. No more complaining about PayPal policy and their taking funds from your account for violations of rules. If you don't like the rules don't use PayPal. If you don't want to lose money, don't leave funds in your PayPal account. Simple as that. But these posts are often political or misleading. So no more posts on this subject! Thank you for submitting to r/PayPal , please make sure you have read the FAQ . If your account was created when you were younger than 18, then that is covered in the FAQ! Try contacting PayPal support using social media such as Facebook or Twitter as this works more often than telephoning. I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.
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Pay Monthly from PayPal imo is great. I currently have 3 plans going. You can try to use it for purchases up to $10,000 but that is probably pretty tough to get approved. $2100 I'm sure is doable depending on their internal checks they do. I always get approved for PayPal Pay in 4 however I have lots of trouble getting approved for PayPal Pay Monthly. It seems to be much harder to get approved. I had been rejected over and over the past 4 weeks and then yesterday I was approved. So it's very hit or miss.
Stax Payments
staxpayments.com › home › payment processing › everything you need to know about paypal buy now pay later [aka paypal pay later]
PayPal Buy Now Pay Later: What You Should Know
February 4, 2025 - Choosing PayPal as your payment method at checkout. Selecting the payment option (Pay in 4 or Pay Monthly) you prefer.
PayPal
paypal.com › us › cshelp › topic › help_wallet_personal › help_pay_monthly_personal
Pay Monthly | PayPal US
PayPal logo · Log InSign Up · Help Center - Personal Account · Home · Payments and Transfers · Disputes and Limitations · My Account · My Wallet · Login & Security · Seller Tools · Home · Resolution Center · Fix transaction and account related issues ·
PayPal Community
paypal-community.com › t5 › Products-Services-Archives › Pay-Monthly-Option-Gone › td-p › 3008329
Pay Monthly Option Gone! - PayPal Community
I see you're looking to use Pay monthly feature for your purchases. Pay monthly applications are accessed based on several factors such as the information you provide in your application, your credit score, your transaction history with PayPal, and how long you've had a PayPal account.
PayPal
paypal.com › us › business › accept-payments › installment-payments
Installment Payments with PayPal Pay Later | PayPal US
Installment payments make managing purchases easier for businesses. Let your costumers pay in 4 or monthly and boost your sales.
PayPal Community
paypal-community.com › t5 › Products-Services › Pay-Monthly-Option-Gone › m-p › 3048094
Re: Pay Monthly Option Gone! - PayPal Community
I see you're looking to use Pay monthly feature for your purchases. Pay monthly applications are accessed based on several factors such as the information you provide in your application, your credit score, your transaction history with PayPal, and how long you've had a PayPal account.