Pay in 4 is an interest-free installment plan that lets you split your purchase into 4 payments, with the first payment due at the time of the purchase and the remaining three automatically charged every two weeks.

Buy now and Pay in 4

Q: How can I pay with Pay in 4?

You can shop online with Pay in 4 just about everywhere PayPal is accepted. Pay in 4 will appear as a payment method for shopping cart values between $30 and $1,500 when you check out with PayPal. You must be a Canadian resident and at least the age of majority in the province or territory in which you reside and hold a PayPal account in good standing or open a PayPal account to apply. Pay in 4 is not available for certain merchants and goods and may not be available for certain recurring subscription services.

Q: Does Pay in 4 charge interest and fees?

Pay in 4 is always interest-free, with no late fees or sign-up fees.

Q: How can I set up automatic payments?

With Pay in 4 your automatic payments will be set up at the time of purchase. You can manage your repayments through the PayPal app or online.

Q: I have a business - how can I get Pay in 4?

Pay in 4 is not available for use by business customers. But, as a business, you may be able to offer our buy now pay later solution to your customers.

Buy what you

love now. Pay later.

Time and flexibility are on your side. Split eligible purchases from $30 to $1,500 into 4 bi-weekly interest-free payments.

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Woman looking into the viewfinder of a camera with Pay in 4 overlay

Flexibility to pay the way that works for you

Interest-free payments

Make interest-free payments with Pay in 4.¹

Widely available

Shop around the world at millions of stores.

No sign up or late fees

There are no fees with Pay in 4. It’s that simple.

Backed by PayPal

Enjoy Purchase Protection² on your eligible items.

Make bi-weekly payments and manage them all via the app

Pay in 4 gives you more flexibility

Pay in 4 with no interest and no late fees. Split eligible purchases between $30 to $1,500 into 4 bi-weekly interest-free payments, at millions of stores around the world.¹

Shop now

It’s effortless to manage your plans

Manage payments in the app or online for peace of mind.

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Get to know Pay in 3
	Pay in 4¹
Purchase amount	from $30-$1,500
Number of payments	4 interest-free payments
Time between payments	First payment is due at the time of purchase with the remaining three automatically charged every two weeks.
Interest	None
Repayment method	Debit card, credit card or bank account
Purchase Protection²	Included on eligible purchases
Sign-up and late fees	None
Automatic payments	Automatically enrolled at time of purchase

Check out now.

Pay in 4.

Choose PayPal at checkout

then select Pay in 4.

Get a quick decision

and if approved, make your first payment today.

Make the remaining payments

with the option to make additional payments any time via the app or online.

Frequently asked questions

What is Pay in 4?

How can I pay with Pay in 4?

Does Pay in 4 charge interest and fees?

How can I set up automatic payments?

I have a business - how can I get Pay in 4?

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