Part 1:Step Of Pay in 4

1.Pay in 4 is fast, flexible & secure. It is as easy as 1-2-3

     (1): Choose PayPal at checkout, then select Pay Later before selecting Pay in 4.

     (2): Get a decision in seconds and make your first payment to complete the purchase.

     (3): Make the first payment at the time of purchase and pay the rest in 3 payments - one every two weeks, in the app or online.

2.About Pay in 4 in the U.S.

      (1): Pay in 4 is not currently available to residents of Missouri, Nevada, New Mexico, North Dakota, Wisconsin, or any U.S. Territories. Offer availability depends on the merchant and also may not be available for certain recurring, subscription services.

      (2): When applying, a soft credit check may be needed, but will not affect your credit score.

      (3): You must be of legal age in your U.S. state of residence to use Pay in 4.

     (4): Loans to California residents are made or arranged pursuant to a California Financing Law License.

     (5): PayPal, Inc. is a Georgia Installment Lender Licensee, NMLS #910457

     (6): Rhode Island Small Loan Lender Licensee

Part 2:The must-knows of PayPal Pay in 4.

Q1:What is PayPal Pay in 4?

A: PayPal Pay in 4 is a BNPL service that allows you to purchase an item online priced between $30 - $1500. When you buy the item, PayPal pays the merchant upfront and then charges you the first of four equal installments. You then repay PayPal fortnightly until the balance is cleared.

As a result, you get to enjoy the purchase immediately while paying it off over six weeks or four interest-free installments.

Q2:How do I sign up?

A: To use PayPal Pay in 4 for the majority of online retailers, you need to set up a PayPal account through the PayPal website. This will require your basic information, along with your card info and home address. You can also choose to link your bank account directly, but you will need to go through a confirmation process to use it to pay for purchases online.

Q3:Do I need a credit card to use PayPal Pay in 4?

A: No, you do not need a credit card to use PayPal Pay in 4. You can link your debit card or bank account to your PayPal wallet. You can then make automatic installment payments from your nominated card or bank account.

Q4:Does PayPal Pay in 4 charge interest?

A: PayPal Pay in 4 does not charge interest. Your purchase is divided into four interest-free payments spread over six weeks. 

Q5：Does PayPal Pay in 4 charge late fees?

A：No, PayPal Pay in 4 does not charge late fees.

Q6:What happens if I miss a Pay in 4 payment?

A:(1).PayPal advises that if you know that you will not make a scheduled payment, reach out to them in advance.

(2). If you miss a Pay in 4 payment installment, the PayPal BNPL option will no longer be available. It remains frozen until the balance is paid. 

(3). In more extreme cases where a balance remains unpaid for a long time, you may lose the ability to use other PayPal services.

Got any more questions?

>>Questions about Pay in 4 repayments

>>How does a merchant refund work for my Pay in 4?

>>If you have any trouble with your payment, please contact PayPal customer services.