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Buy now, pay over time

Get more info on Pay Later options.

Pay in 4

Interest-free payments every 2 weeks, starting today.

Pay Monthly

Split your purchase into equal monthly payments.

Or shop with a reusable credit line.

PayPal Credit

No Interest if paid in full in 6 months for purchases of $99+.

Pay in 4 interest-free payments

No impact on credit score and no late fees. Available for purchases of $30 to $1,500.

Today

2 weeks

4 weeks

6 weeks

1. Choose PayPal at checkout to pay later with Pay in 4.

2. Complete your purchase with a 25% down payment.

3. Use autopay for the rest of your payments. It's easy!

Pay in 4 is available to consumers upon approval for purchases of $30 to $1,500. Pay in 4 is currently not available to residents of MO or NVM. Offer availability depends on the merchant and also may not be available for certain recurring, subscription services. 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. RI Small Loan Lender Licensee. NM residents: Find more disclosures related to Pay in 4. See other ways to pay over time

Pay Monthly

Get more time to pay, with no down payment or late fees.

How much is your purchase?

Purchase amount

Enter an amount of $199 or more.

Terms vary based on purchase amount and your credit.

$1000/mo. for 12 months

Est. APR*

10%

Interest

$ 83.33 + $ 8.33

Total

$ 1,100.00

$1000/mo. for 6 months

Est. APR*

15%

Interest

$ 166.67 + $ 25.00

Total

$ 1,150.00

$1000/mo. for 24 months

Est. APR*

20%

Interest

$ 41.67 + $ 8.33

Total

$ 1,200.00

*Fixed APR is 9.99% to 35.99%. Terms and rates vary based on purchase amount and your credit.

1.Choose PayPal at checkout to pay later with Pay Monthly.

2.Get a decision in seconds and complete your purchase.

3.Use autopay for your payments. It's easy!

Pay Monthly is subject to consumer credit approval. Payments may change based on shipping, taxes, updates to your purchase, or missed payments. Availability depends on the merchant and may not be available for subscriptions or recurring payments. Pay Monthly is currently not available to residents of Alaska, Hawaii, or Nevada. You must be 18 years old or older to apply. Missed payments may have an impact on your credit score. The lender for Pay Monthly is WebBank. PayPal, Inc. (NMLS #910457): CTConnecticut Small Loan Licensee. RIRhode Island Loan Broker Licensee. VTVermont Loan Solicitation Licensee. VTVermont residents: Find more disclosures by going to PayPal's page on Pay Later. See other ways to pay over time

Pay over time
with PayPal Credit

Shop online with a reusable credit line.

1. Apply now and get a decision in seconds.

2. Check out with PayPal and choose PayPal Credit.

3. No Interest if paid in full in 6 months on purchases of $99+

Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months.
A minimum monthly payment is required and may or may not pay off the promotional purchase by the end of the 6 month period.
No interest will be charged on the purchase if you pay it off in full within 6 months. If you do not, interest will be charged on the purchase from the purchase date at the Purchase APR applicable to your account.
For New Accounts: Variable Purchase APR is 29.24%. The APR is accurate as of 3/1/2024 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00.
Individual items that are less than $99 qualify for special financing when combined for a total of $99 or more in a single transaction.
Multiple separate transactions of less than $99 per transaction cannot be combined to meet the minimum purchase amount.

View the PayPal Credit Terms and Conditions.

PayPal Credit is subject to credit approval as determined by the lender, Synchrony Bank, and is available to U.S. customers who are of legal age in their state of residence. You must pay with PayPal Credit to get the offers. Offers not valid on previous purchases, returns or exchanges. Minimum purchase required is before shipping and tax. For New Accounts: Variable Purchase APR is 29.24%. The APR is accurate as of 3/1/2024 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00.

See other ways to pay over time

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Subject to credit approval

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