PayPal 4 interest-free payments

Wanna pay with PayPal? You’ve now got two options: you can pay now, or you can spread the cost of your orders over four payments with PayPal Pay in 4! All you need to get started is a PayPal account – once you’re logged in or signed up, you can choose one of the options below.


You guessed it – pay straight away using your PayPal account.

2. PAY IN 4

PayPal’s Pay in 4 is all about control, freedom and power – like having the power to split your order total up into four smaller amounts, for instance. You can view your remaining balance at any time, and you can even pay it off early if you like. See? Total control and zero hassle – ideal. Remember to spend responsibly, though – sometimes splitting up payments might not always be the best option (just saying). Take a look at the FAQs for the full lowdown.




Find something you love, add it to your bag and head to the checkout.


Sounds obvious, but before you can use PayPal, or PayPal Pay in 4, you’ll need a PayPal account – so make sure you’ve set one up first.

Once you get to the checkout, you can select PayPal’s payment methods by selecting ‘Change’ under ‘Payment Type’.

Then, go to ‘Add New Payment Method’

From there, you can select either ‘PayPal Pay Now’ or, if your order comes to $30 or more, ‘Pay in 4 with PayPal Pay Later’.

Place your order, and you’re done – it’s that easy.

P.S. If you’re shopping on our app, make sure you’ve downloaded the latest version to use these payment options.


Pay Now (of course) by choosing PayPal at checkout.

PayPal Pay in 4

Yep, you can now use your PayPal account to pay for stuff in four smaller chunks! Just select Pay in 4 with PayPal Pay Later at the checkout and enjoy the power to take control of your spending. We want you to shop with confidence, so please have a think about your finances before choosing any ‘pay later’ option – you’ll need to make sure you have enough money to pay the amounts every time.

Select ‘PayPal’ as your payment option, log in to your account and, if you’re spending $30 or more, ‘Pay in 4’ will show up as a payment method. After selecting it, you can apply for a PayPal Pay in 4 plan in a few simple steps and complete your purchase. Then, you can keep track of your payments (and flex your new ‘fits).

Your first payment will be charged at the time you finish checking out. After that, your three subsequent payments will be charged every two weeks after the date of purchase. For example, if you bag a new look on May 5, your next payments will be due on May 19, June 2 and June 16 after that. Repayments will be made automatically with the payment method used at time of purchase.

PayPal will send you a reminder by email or text to let you know when your next payment is coming up. You can see your payment schedule or make unscheduled payments at any time by logging into your PayPal account or through the PayPal app. You’re in control, every step of the way.


1. A US PayPal account in good standing (if you don’t have one, you can open one here:
2. To be at least 18 years of age (or the age of majority in your state) to apply.
3. A bank account, debit card, or credit card linked to your account.

The application process

If you choose Pay in 4 as your payment method, you’ll be taken through a simple application process – it’s just a few steps! You’ll get a decision instantly. Please note that the availability of Pay in 4 depends on your state of residence. See Ts&Cs for more.

Just FYI, paying in four parts is a great way to spread the cost of your spending and shop with confidence – but please have a think about your finances before choosing any kind of ‘pay later’ option. Our helpful FAQs are a good place to start if you want to know a bit more.

Pay in 4 is available to consumers upon approval for purchases of $30-$1,500. This payment option is not currently available to residents of Missouri, Nevada or New Mexico. Offer availability depends on the merchant and also may not be available for certain recurring, subscription services.

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.

Offers are not pre-approved offers or firm offers of credit.

As usual, Purchase Protection applies to your eligible purchases made with PayPal Pay in 4. Please see PayPal’s Purchase Protection terms by clicking here.

Got any more questions? Just head to our FAQs

If you have any trouble with your payment, please contact PayPal customer services.