I’ve been using PayPal’s “Pay Monthly” option for a few purchases and it got me wondering does this actually help build credit? I know some buy now, pay later services don’t report to the credit bureaus unless you miss a payment, while others claim they do and ... More on management.org

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Pay Monthly reports to the credit bureaus while Pay in 4 does not. That could be a reason. Also Pay Monthly is for larger purchases up to $10,000 while Pay in 4 has a max amount of $1500 per plan subject to approval. So my questions to you would be, how much were your Pay monthly loans for? Also you should have a prequalified amount for your Pay in 4, it only shows in the app. Go tour Pay in 4 plans on the PayPal app and you'll see a prequalified amount. What is that amount? More on reddit.com

Sounds like they gave you an intro 0% APR. Did you apply during your purchase checkout? It should show when it posts to your account. You can also contact Paypal to get clarification on what the offer is exactly. Either way, interest usually accrues from date purchase posts to your account so if you don't pay off the balance before the promo expires, you'll get hit with interest accrued from day one. More on reddit.com