Buy now, pay later with PayPal
Enjoy now. Pay later.
Get 5% cash back on Pay Later purchases through December 31.1
Flex your spending
Pay over time with no late fees
Pay in 42 or Pay Monthly.3 You decide.
Available at millions of stores
Pay later in-store and online.
No impact to your credit score
Apply for Pay in 4 without impacting your credit score.
Peace of mind is built in
Enjoy Purchase Protection4 on your eligible items.
2 ways to pay
Pay in 4
Split your purchase into 4 interest-free, bi-weekly payments.2
Purchases from $30 to $1,500
4 payments over 6 weeks
No sign-up or late fees
Pay Monthly
Enjoy the flexibility of 3, 6, 12, or 24-month payment plans with $0 down.3
Purchases from $49 to $10,000
Monthly installments
No sign-up or late fees
Pay in 42 | Pay Monthly3 | |
|---|---|---|
Purchase amount | $30 to $1,500 | $49 to $10,000 |
Number of payments | 4 interest-free payments | 3, 6, 12, or 24 payments |
Time between payments | Bi-weekly (1 down payment & 3 payments) | Monthly |
APR | 0% | 9.99% to 35.99% |
Repayment method | Debit card, credit card, confirmed bank account, or PayPal Balance (not available for autopay) | Debit card, confirmed bank account, or PayPal Balance (not available for autopay) |
Purchase Protection3 | Included | Included |
Late fees | None | None |
Sign-up fees | None | None |
Autopay available | Automatically enrolled at time of purchase | Optionally enroll in autopay at time of purchase or any time after |
How to buy now, pay later:
Check out with PayPal
Find PayPal Pay Later options at millions of online stores.
Pay in 4 or monthly
You choose how you’ll pay.
Get a decision
Find out if you’re approved in seconds. Then pick the plan that works best for you.
Make the payments
Do it securely in the app or online with the ease of autopay.
Get the most out
of Pay Later
Pay later with these brands and more
Frequently asked questions
Discover more ways to pay
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.