PayPal is more than just a way to send and receive money online! It's also a flexible and convenient way to pay for your purchases over time. Whether you need to buy something now and pay later, or spread the cost of a larger purchase into monthly payments, PayPal has you covered with its Pay in 4, Pay Monthly, and PayPal Credit options.
No Late Fees
No late fees. Stretch your money with the power of Pay in 41 or Pay Monthly2.
Widely available
Widely available. Shop at your favorite brands, and enjoy the peace of mind to pay later.
Quick decision
Easy on your credit score. Choose Pay in 41 and relax knowing it won't impact your credit score.
Backed by PayPal
Backed by PayPal. Enjoy Purchase and Fraud Protection on eligible purchases.3
Pay in 4
One payment down, 3 more to go. Split purchases between $30-$1,500 into 4 interest-free, bi-weekly payments without the stress of late fees.1
Pay Monthly
Buy bigger, breathe easier. Enjoy the ease of 6, 12, or 24-month payment plans, $0 down, and no sign-up or late fees.2
Pay in 41
Pay Monthly2
Purchase Amount
$30 to $1,500
$199 to $10,000
Number of payments
4 interest-free payments
6, 12, or 24 payments
Time between payments
Bi-weekly (1 down payment & 3 payments)
Monthly
APR
0%
9.99-35.99%. Rates as low as 4.99% may be available
Repayment method
Debit card, credit card, or confirmed bank account
Debit card or confirmed bank account
Purchase Protection3
Included
Included
Late fees
None
None*
Sign-up Fees
None
None
Autopay available
Automatically enrolled at time of purchase
Enroll in autopay at time of purchase or any time after