# Buy Now, Pay Later with PayPal

## Enjoy now. Pay later.

Buy what you love. Break up your payments over weeks or months.

### Pay over time with no late fees

Pay in 4 is available to use at millions of online merchant sites where PayPal is accepted. Check out a list of some of the available brands [here](https://www.paypal.com/offers/), search for your favorite brand, if available, save the deal, and create your own list. Transactions can be made in all currencies that PayPal supports, not just USD. For transactions not in USD, PayPal will automatically convert the transaction amount to USD at checkout before you apply for Pay in 4.

### Is a credit check required when applying for PayPal Pay Later offers?

When applying for PayPal Pay Later solutions, a soft credit check may be needed, but will not affect your credit score. You must be 18 years old or older when applying for Pay Later.

### Does Pay in 4 or Pay Monthly charge interest and fees?

Pay in 4 is always interest-free, with no late fees or sign-up fees. With Pay Monthly, you will pay a fixed interest rate, which varies based on your credit, and you won't pay any late fees or sign-up fees.

### Can I pay off my Pay Monthly loan early?

Yes. You can view your Pay Monthly remaining balance in the PayPal app by clicking Pay Later. There you can make additional payments as desired or pay off the loan in full at any time and you won’t be charged a fee or penalty if you do so.

## Discover more ways to pay

### Add Cards and Banks

### PayPal Rewards

### PayPal Credit Options

### Pay with QR Code

## All in the PayPal app

It’s your do-it-all digital wallet. Load up on cash back offers before you shop. Track your packages. And manage it all on the go.

### Flex your spending

### Pay over time with no late fees

### Pay in 4^1 or Pay Monthly.^2^ You decide.

### Available at millions of stores

### Safely pay later online and in stores.

### No impact to your credit score

### Apply for our Pay Later options without impacting your credit score.

### Peace of mind is built in

### Enjoy Purchase Protection^3^ on your eligible items.

All screen images are for illustrative purposes only.

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**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. 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](https://www.paypal.com/us/webapps/mpp/campaigns/newmexicodisclosure) related to Pay in 4.**

**Pay Monthly is subject to consumer credit approval and eligibility. In store single-use card is valid for one purchase and must be used within 24 hours of loan approval. Fixed APR is 9.99-35.99%. Terms and rates vary based on purchase amount and your credit. For example, a $200 purchase can be paid at 26% APR in 3 monthly payments ($69.56/mo.; $8.68 interest; $208.68 total of payments). A $600 purchase can be paid at 26% APR in 6 monthly payments ($107.76/mo.; $46.57 interest; $646.57 total of payments) or 12 monthly payments ($57.33/mo.; $88.01 interest; $688.01 total of payments). A $1,500 purchase can be paid at 26% APR in 24 monthly payments ($80.77/mo; $438.47 interest; $1,938.47 total of payments). 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 AK, CT, HI or WA. 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): RI Loan Broker Licensee. VT Loan Solicitation Licensee. VT residents: THIS IS A LOAN SOLICITATION ONLY. PAYPAL, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.**

**PayPal Purchase Protection is available on eligible transactions. [Terms and limitations apply](https://www.paypal.com/us/legalhub/paypal/buyer-protection).**

All screen images are for illustrative purposes only.