Flexibility that works for you

Pay over time with no late fees

Stretch your budget with Pay in 41 or Pay Monthly.2

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.3

How Pay Later works

Compare our Pay Later features
Pay in 41 Pay Monthly2
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%
Repayment method

Debit card, credit card, or confirmed bank account

PayPal Balance (not available for autopay)

Debit card or confirmed bank account

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
* Soft credit check may be needed but will not affect your credit score.

Buy now, pay later with these steps

Choose PayPal at checkout

Then select the Pay Later option that works for you.

Get a decision in seconds

Choose the installment plan that works for you.

Make the remaining payments

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

Pay later with these top brands

Buy now, pay later FAQs

Trust the way you pay

Easily and securely spend, send, and manage your transactions—all in one place. Download the app on your phone or sign up for free online.

Scan the code or enter your number to get the app.

A QR code you can scan with the camera on your phone to download the PayPal app
By clicking Send Link you agree to receive a text message with a link to the PayPal app. Message and data rates may apply.