Using PayPal Pay in 4 in the USA in 2022

PayPal Pay in 4 Review

PayPal offers their Pay in 4 program if you want to pay for your purchases in 4 biweekly installments. Keep reading to see if it’s the right choice for you.

Are There Items You’d Like to Purchase in Installments?

Are there items in your wishlist that you’d like to purchase today, but prefer to be able to pay it off in installments instead of paying upfront? PayPal has a program called Pay in 4 that lets you make a purchase online between $30 to $1500 and pay for it in four biweekly installments. According to PayPal, Pay in 4 won’t impact your credit score and there’s no interest for the biweekly installments. It’s basically the low-risk microloan provided with PayPal to make the purchase of large items up to $1500 easier to manage.

Where Can You Use PayPal Pay in 4?

Be aware that PayPal Pay in 4 is only available for certain items at select retailers that accept PayPal payment. You must have an active PayPal account and sign up with the payment method you want to use, like a credit card or debit card.

How Does PayPal Pay in 4 Work?

You can choose Pay in 4 with PayPal Pay in 4 during checkout and get an instant decision regarding your acceptance. PayPal will conduct a soft credit test at the time of purchase. However, this will not affect your credit rating. If you’re approved by PayPal, you’ll be required to be able to execute a lending contract that outlines the specifics of this point-of-sale system.

What Are the Payment Options with PayPal Pay in 4?

Payments are automatically charged to the credit card or bank account that you utilized to pay. You are not able to utilize your PayPal account balance to make payment.

What Happens If You Miss a Payment?

In contrast to other BNPL companies, PayPal does not charge late fees for late payments. However, it does contact those who have accounts that are past due. Be sure to check your loan agreement to understand the specific terms and conditions in case you fail to pay.

Are There Any Fees Associated with PayPal Pay with 4?

There aren’t any fees associated with PayPal Pay with 4. Although this is an installment loan at the point of sale it doesn’t charge origination fees, interest, or late fees. There are no penalties for repaying the purchase earlier. However, you may incur charges from your bank if you exceed your credit limit on your account or pay interest from the credit card company in the event that you aren’t able to pay your bills in the shortest time possible.

How Can You Pay with PayPal Pay with 4?

PayPal Pay In 4 is a BNPL product, which is accessible everywhere online. You can pay online using PayPal.

Do You Need a Credit Card to Use PayPal Pay in 4?

You don’t require a credit card to make use of PayPal Pay in four. You can connect your debit card or bank account to your PayPal wallet. Then, you can make automated installment payments using the card you have chosen to use, or your bank account.

Why Should You Use PayPal Pay for 4?

  • Why PayPal Pay-in-4 Could Be a Great Option:

  • If you’re new to buying now, and paying later, or if you don’t qualify for credit cards, PayPal Pay in 4 could be a great option for you. It also offers purchase protection for certain Pay-in-four purchases.
  • Why PayPal Pay in 4 May Not Be a Good Idea for You:

  • If you have trouble sticking to your budget, want to spread payments over a longer period, or want to make purchases larger than $1500, PayPal Pay in 4 may not be suitable for you.


If you’re already a PayPal customer or are looking for a more convenient Buy Now Pay Later option for small-to-medium-sized purchases, Pay in 4 may be an ideal alternative for you. So long as you don’t buy items that aren’t within your budget and are consistent with biweekly installment payments, it’s an option that is a good option to replace credit cards, which allows you to stay clear of interest and late fees entirely. Keep in mind that there can be consequences to late payments, which could impact your credit score and could have a negative impact on your capacity to obtain loans in the near future.

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