Choice and flexibility are on your side. Split your purchases into 4 instalments over 6 weeks.

Pay in 4 with no interest and no late fees. Divide eligible purchases under $2,000 into 4 interest-free instalments, at millions of stores around the globe.

How does Pay in 4 work?

 

You will see Pay in 4 as a payment method in the PayPal checkout, if both you and your purchase meet our eligibility criteria. For example, if your PayPal account is in good standing and your purchase is under $2,000 and not in a restricted category, e.g. gambling.

The first time you select Pay in 4 you will be prompted to accept the terms of the Pay in 4 Facility Agreement which will govern any future purchase you make with Pay in 4. After that, every time you choose to use Pay in 4 your proposed purchase will be assessed to see if you are eligible for credit. The PayPal Pay in 4 Facility is a continuing credit contract.

 

Does Pay in 4 charge interest and fees?

Pay in 4 is always interest-free, with no late fees or sign-up fees. Any applicable currency conversion or other charges will be applied in accordance with your User Agreement (Link)

 

Purchase amount	under $2,000
Number of payments	4 interest-free payments
Time between payments	The first payment at checkout, then three repayments, one every two weeks
Interest	None
Repayment method	Debit card, credit card or bank account
Buyer Protection2	Included on eligible purchases
Sign-up and late fees	None
Automatic payments	Automatically enrolled at time of purchase