I use PayPal pay in 4 often. They DO NOT take the full payment only the first installment payment, no interest...no problem! Answer from Ill_Database9754 on reddit.com
PayPal
paypal.com › us › digital-wallet › ways-to-pay › buy-now-pay-later
Buy Now Pay Later | Pay in 4 | Pay Monthly | PayPal US
1 month ago - 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.
PayPal
paypal.com › us › business › accept-payments › installment-payments
Installment Payments with PayPal Pay Later | PayPal US
Customers select the relevant installment offer: Pay Monthly or Pay in 4. ... You get paid up front. Your customers can track their progress. And you can get back to your business.
How do refunds work on installment payments?
When a customer returns something they purchased with Pay in 4 or Pay Monthly, use our standard refund process and we’ll provide a credit to the customer.
paypal.com
paypal.com › us › business › accept-payments › installment-payments
Installment Payments with PayPal Pay Later | PayPal US
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
What are installment payments?
Installment payments give shoppers the flexibility to pay for purchases over time. When you offer Pay Later, your customers can choose a payment schedule that works for them through Pay in 4 or Pay Monthly.
paypal.com
paypal.com › us › business › accept-payments › installment-payments
Installment Payments with PayPal Pay Later | PayPal US
Videos
00:48
PayPal Pay Later: How to Make Payments - YouTube
01:01
PayPal Pay Later: How to Get Started - YouTube
01:22
PayPal Pay Later: How to Set up, Use, and Manage - YouTube
PayPal has launched a new program that allows consumers to ...
Using PayPal Pay in 4 for Flexibility and Balance in Life
Sleigh This Holiday Season with PayPal's 20% Pay Later Offer
Reddit
reddit.com › r/aliexpress › can someone explain me how the paypal pay later option works
r/Aliexpress on Reddit: Can someone explain me how the PayPal pay later option works
February 7, 2025 -
Basically I read it actually takes the entire price and is not actually 4 separate payments, and I was wondering what happens if I don't have all the money in my account yet, but enough for at least the first payment, of course I can get the rest of the money in a few days but my problem was that I really wanted to buy something today because the discount ends in a few hours
Top answer 1 of 4
1
I use PayPal pay in 4 often. They DO NOT take the full payment only the first installment payment, no interest...no problem!
2 of 4
1
Quick question if I bought an item with pay later feature let’s say in 3 months payment, if I pay the first payment before the first one is due, will I get charged twice within that same month? Thanks.
PayPal
paypal.com › us › cshelp › article › what-is-pay-in-4-help463
Pay in 4: Split Purchases into 4 Payments | PayPal US
Pay in 4 is an interest-free instalment product that lets you split your purchase into 4 payments, with the first payment due at the time of purchase and 3 subsequent repayments made every 2 weeks thereafter. If eligible, Pay in 4 will appear as a payment method for shopping cart values between ...
PayPal
paypal.com › us › cshelp › article › what-is-pay-monthly-help839
What is Pay Monthly? | PayPal US
Payments include both principal and interest and are payable as fixed monthly installments across the term of your loan according to the payment schedule that was provided to you. You can find them in the PayPal App by clicking Pay Later or on your desktop by clicking Pay Later under the ...
PayPal
paypal.com › credit-presentment › lander › modal
PayPal
Transfer money online in seconds with PayPal money transfer. All you need is an email address.
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 - The Pay in 4 program enables shoppers to pay for a purchase in four equal installments—the first being the down payment and the remaining three to be paid over six weeks (every 15 days).
PayPal
paypal.com › us › cshelp › article › questions-about-pay-in-4-repayments---help1099
Pay in 4 Repayments: How to Manage and Track | PayPal US
When you complete a purchase using Pay in 4, PayPal pays the merchant the full amount of the purchase and collects a down payment at the time of the transaction and 3 installments from your payment method of choice over time totaling the amount of the purchase made.
PayPal Newsroom
newsroom.paypal-corp.com › 2020-08-31-PayPal-Introduces-New-Interest-Free-Buy-Now-Pay-Later-Installment-Solution
Press Release: PayPal Introduces New Interest-Free Buy Now Pay Later Installment Solution - Aug 31, 2020
Pay in 4," a short-term installment offering for customers in the U.S. Pay in 4 can help merchants drive conversion, revenue and customer loyalty without taking on additional risk or paying any additional fees, while enabling consumers to make a purchase and pay over four, interest-free installments. Pay in 4, which is part of PayPal's growing suite of Pay Later solutions, enables merchants and partners to get paid upfront while enabling customers to pay for purchases between $30 and $600 over a six-week period...
Quora
quora.com › How-does-the-payment-in-3-installments-of-PayPal-work
How does the payment in 3 installments of PayPal work? - Quora
Answer: Hey, PayPal Pay in 3 is a feature that lets you split your purchase into 3 payments, with the 1st payment due at the time of purchase and 2 subsequent payments made every month on the same date.
PR Newswire
prnewswire.com › news-releases › paypal-introduces-new-interest-free-buy-now-pay-later-installment-solution-301120648.html
PayPal Introduces New Interest-Free Buy Now Pay Later Installment Solution
August 31, 2020 - Pay in 4 can help merchants drive conversion, revenue and customer loyalty without taking on additional risk or paying any additional fees, while enabling consumers to make a purchase and pay over four, interest-free installments. Pay in 4, which is part of PayPal's growing suite of Pay Later solutions, enables merchants and partners to get paid upfront while enabling customers to pay for purchases between $30 and $600 over a six-week period...
ENGWE
engwe.com › pages › how-to-use-paypal-installments
Paypal Installments – ENGWE
Italy: https://www.paypal.com/...w.paypal.com/fr/webapps/mpp/4x For German customers: Flexible payment options in 3, 6, 12, or 24 installments....
WebSite X5 Guide
guide.websitex5.com › en › support › solutions › articles › 44002304139-how-to-set-up-the-installment-payment-with-the-paypal-buy-now-pay-later-service
How to set up the installment payment with the PayPal Buy Now Pay Later service : WebSite X5 Guide
June 12, 2024 - With the PayPal Buy Now Pay Later service you can offer your customers the possibility to safely pay in installments. When the order is placed, you as store manager get the whole amount right away, while PayPal will take care of managing the installments.
PayPal
paypal.com › uk › webapps › mpp › paypal-virtual-credit-v2
Buy Now, Pay Later | PayPal Credit | PayPal UK
Want to spread the cost over a longer period? No problem. Our instalment plans let you do just that - over 6 to 24 months and at an interest rate lower than PayPal Credit's standard rate of interest.
Reddit
reddit.com › r/personalfinance › is it a good idea for me to use paypal's pay-in-4 system?
r/personalfinance on Reddit: Is it a good idea for me to use PayPal's pay-in-4 system?
July 21, 2025 -
UPDATE: It seems like this was just no-strings-attached free money, except after a few weeks, I went to use pay in 4 and they tried to charge me. I stopped using it then, but I can definitely see how someone might have developed a habit and could now be stuck in a predatory situation.
Title. PayPal's pay-in-4 system was pushed to me recently, and it seems like a good deal to me--an interest-free, short-term loan over the course of two months. I don't see any gotchas in the fine print (e.g., "it's free now but we'll charge you later"). It seems like I should pay for everything I can through this system--an interest-free loan sounds pretty great. I'm not worried that I'll overspend--I've had a credit card for several years and have not paid a dime of interest on it. Is it a good financial decision for me to use this system?
USA, Washington State.
Top answer 1 of 5
28
This question gets asked about once per day in this sub. On paper, there is no catch to the financing. In reality, you are more incentivized to make the purchase than you would have been otherwise. If you have strong enough purchasing discipline to truly not have the free financing affect your decision, then yes on paper you can come out ahead through interest arbitrage. Many people do not, however, and BNPL can become a way to dig a very deep hole.
2 of 5
20
If you don’t screw up, there isn’t a real downside, but there isn’t really much of an upside either. Say you spread a $200 purchase over 2 months and kept the cash in a HYSA at 4%. ($100 x 4% / 6) = $0.67 of interest.
PayPal
paypal.com › us › pm-gse
Pay Monthly
Transfer money online in seconds with PayPal money transfer. All you need is an email address.
App Store
apps.apple.com › us › app › paypal-pay-send-save › id283646709
PayPal - Pay, Send, Save App - App Store
Simply link your Gmail or Outlook to get started Not all sellers are participants BUY NOW PAY LATER *Pay in 4 is available upon approval for purchases of $30 - $1500 and is currently not available to residents of MO. 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.
Spokeo
management.org › home › forums › personal finance
Does PayPal Installments Affect Credit | Management Forum
August 21, 2025 - I used PayPal’s Pay in 4 option last year. It never showed up on my credit report, even though I made all the payments on time. From what I’ve read, those smaller installment plans don’t get reported unless you miss payments and they escalate it.
PayPal
paypal.com › us › brc › article › demographics-of-credit
Buy Now, Pay Later: Installment Options for Customers | PayPal US
January 4, 2025 - Pay Monthly.19 A medium- to longer-term installment offer that enables customers to pay for their purchases in 3, 6, 12, or 24 monthly installments with interest. You may also have the option to pay an additional cost to fund 0% APR promotions, ...
Payments Dive
paymentsdive.com › news › paypal-introduces-pay-in-4-installment-payment-service › 595076
PayPal introduces 'Pay in 4' installment payment service | Payments Dive
September 3, 2020 - As part of its new "Pay in 4" service, merchants can provide customers with the option of paying for purchases in four interest-free installments without extra fees, according to a company press release.