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Buy now, pay later with PayPal

Enjoy now. Pay later.

Buy what you love now, and pay later. Break up your payments over weeks or even months.

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Flexibility that works for you

Extra time with no late fees

Stretch your budget with the power of Pay in 4 or Pay Monthly.

Smart options, widely available

Shop your favorite brands with the option to pay later

No impact to your credit score

Apply for Pay in 4 without impacting your credit score.

Peace of mind is built in

Purchase and Fraud Protection on eligible purchases.

How Pay Later works

Pay in 4

Split purchases between $30-$1500 into 4 interest-free, biweekly payments. No late fees.

  •   For smaller purchases
  •   4 payments over 6 weeks
  •   No late fees; interest-free

Pay Monthly

Enjoy the flexibility of 6,12, or 24-month payment plans, $0 down, and no sign-up or late fees.

  •   For larger purchases
  •   Monthly installments
  •   No late fees

Buy now, pay later FAQs

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

When applying for PayPal Pay Later, 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 in 4 or Pay Monthly.

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

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

Why use buy now, pay later (BNPL)?

Buy now, pay later are excellent options if you want to make a large purchase more affordable by paying it off over time. Get what you want and break the payments up over weeks or even months.

Trust the way you pay

Easily and securely spend, send, and manage your transactions—all in one place.

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