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FREE Shipping & No Tax on All Orders Until 3/31 | Easy 0% APR Financing for 6 Months | 24/7 US Support Team 🇺🇸 (360) 233-2867
FREE Shipping & No Tax on All Orders Until 3/32 | Easy 0% APR Financing for 6 Months | 24/7 US Support Team 🇺🇸 (360) 233-2867

Enjoy now. Pay Later with PayPal.

Time, flexibility, and security are on your side. Buy what you like and break the payments up over weeks or even months.

Flexibility that works for you

No late fees

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

Backed by PayPal

Enjoy Purchase and Fraud Protection on eligible purchases.

Easy on your credit score

Choose Pay in 4 and relax knowing it won't impact your credit score.

With Pay Later, you have options

Pay in 4

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.

Shop Now
Pay Monthly

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.

Shop Now

How Pay Later works

Pay in 4 Pay Monthly
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 Protection 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
Credit score impact None Yes, if approved
Credit score impact None Yes, if approved

* Missed payments may have an impact on your credit score.

Choose PayPal at checkout

Choose PayPal at checkout

Then select Pay Later before picking a payment option.

Get a decision in seconds

Get a decision in seconds

Choose the installment plan that works for you.

Make the remaining payments

Make the remaining payments

Do it securely in the app or online with the ease of autopay.

Shop Now
Shopify Store FAQ

Frequently asked questions

Do I need credit for Buy Now, Pay Later?

When applying, a soft credit check may be needed, but will not affect your credit score.​ You must be of legal age in your U.S. state of residence to use Pay in 4.

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 simple interest depending on your APR, you won’t pay any late fees or signup fees.

Can I pay early with Monthly payments?

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. Paying the loan off early may lower the total amount of interest you pay.

Why use Buy Now, Pay Later?

Buy now, pay later is an excellent option 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.

Manage your payments

Keep tabs on your payments in the app or online.