Payment systems

PayPal Pay in 4 Review

Irina Tsymbaliuk
PayPal Pay in 4 Review

In the era of digital shopping, consumers seek convenient and accessible ways to manage their finances and hunt for flexible payment solutions. To satisfy online customer needs, one of the leading payment platforms has developed an innovative payment method. We talk about the afterpay purchase option from PayPal.

What is PayPal Pay in 4? Simply put, it’s a customer loan, allowing you to split your purchase into 4 equal installments spread over the next six weeks. This unique feature offers shoppers the flexibility they crave. They get the freedom to make the desired purchase without jumping into a hefty one-time payment. Besides, they gain better control over their spending for more effective budget planning.

In this PayPal Pay in 4 review, we’ll explore the features, benefits, and drawbacks of this unique payment solution to help you use it wisely and get the most out of it.

How Does PayPal Pay in 4 Work?

The mechanics behind PayPal Pay in 4 are very simple. The payment service provider pays the merchant the total amount of your purchase during checkout. Then, you get an opportunity to repay it directly to PayPal within the next six weeks.

So how do you use PayPal Pay in 4? Created with easy accessibility and user convenience in mind, it’s a no-brainer payment method that involves a few straightforward steps:

  • When shopping online, look for merchants that maintain PayPal’s Buy Now, Pay Later service. Select PayPal as your payment method and tick Pay 4 payments during checkout.
  • You’ll be required to provide some basic information for a soft credit check, with no impact on your overall credit score. Once your application is approved, the total purchase amount is divided into 4 equal payments, with the first installment due at the time of purchase.
  • The remaining three payments will be made automatically from your PayPal account every two weeks after purchase. The auto-pay function will help you catch up with the schedule and prevent missed payments.

For example, if you are going to buy an item that costs $600, you will have to pay $150 when completing the transaction and make three more $150 settlements in 15-day intervals. The good news is that you’ll incur no additional costs. PayPal doesn’t charge interest on installment payments, and there are no other processing fees in place.

PayPal 4 payments are accepted by millions of online merchants worldwide, including clothing, cosmetics, electronics, and household retailers of all sizes. Apple, Home Depot, Villeroy & Bosch, Pandora, Levi’s, Puma, Michael Kors, and Columbia are a few big names to mention from a list of participating merchants.

Who Is PayPal Pay in 4 Available to?

Who Is PayPal Pay in 4 Available to?

Before applying for PayPal’s Pay in 4 loans, make sure you are eligible for this BNPL service. There are a few requirements you should match:

  • You should be an adult of 18 years old and above;
  • You should have an active PayPal account with a valid debit or credit card linked to it;
  • You should spend between $30 and $1,500 on a purchase;
  • You should reside in a state other than Missouri and Nevada where the service is not currently available.

Notably, the PayPal system is set to perform automated internal checks of your previous shopping experience and creditworthiness to approve your application. While the approval process is fast, the reason for denial could be poor credit history, recently rejected payments, or any problems with past system usage. Besides, PayPal Pay in 4 availability depends on the merchant. Thus, it might be limited for some service providers and subscription services.

PayPal Pay in 4 Related Fees and User Support

With Pay in 4, the ability to pay the purchase cost in parts across a lengthy period of time comes free of charge. It means there will be no associated fees, rates, or charges to cover. You even have the option to pay the remaining purchase balance in full at any time, with no extras attached.

At the same time, though, you should be wary of potential problems if you miss a scheduled payment or have insufficient funds in your linked account.

Should you get into any dubious situations or have any issues with the Pay in 4 product, PayPal’s support team will be ready to help. You can find responses and solutions to any common issues on PayPal’s help page or in the community forum. For personalized assistance, feel free to call the helpdesk or contact the resolution center by logging into your account.

PayPal’s Pay in 4 Service Advantages and Disadvantages

PayPal’s Pay in 4 Service Advantages and Disadvantages

Is PayPal Pay in 4 good? At this point, it’s clear that this service is a lucrative option for financially responsible avid shoppers and anyone who wants a simple BNPL plan. However, before making a final decision on using this option, it's worth taking a close look at its benefits and drawbacks and how they compare.


  • Zero Interest: Interest-free installments make Pay in 4 a cost-effective option, enabling shoppers to buy items they cannot afford outright.
  • Accessibility: Minimal credit check requirements make this payment method accessible to a broader range of consumers, including those with less-than-perfect credit histories.
  • Convenience: Even if you are new to BNPL services, using Pay in 4 is a breeze. An intuitive checkout process and quick approval are a match for novice users.
  • Peace of Mind: You won’t have to worry about manually making installment payments. The system automatically deducts the scheduled payments from your linked payment method.
  • Wide Acceptance: Accepted at millions of online stores globally, it’s a versatile payment solution for various shopping needs. You can pay in any supported currency; the system will automatically convert it to USD.


  • Available for Online Shopping only: Pay in 4 doesn’t work for physical stores, while many other providers offer BNPL plans for digital and offline stores alike.
  • Not Fit for Bigger Purchases: With a $1,500 top buying limit, Pay in 4 is not an option for substantial purchases exceeding that sum.
  • No Payment Rescheduling: If you are unable to make the payment in time for some reason and want to reschedule the due date, you won’t have this option with Pay in 4 BNPL plan.
  • No Suspension for Refunds: If you decide to return the item purchased under PayPal’s Pay in 4 program, you’ll still have to stick to your payment schedule until the refund is processed.
  • Risk of Exposure to Collections: Though your account won’t be paused in case of missed payment, PayPal tends to send non-diligent debtors to collections, which might adversely affect your credit score.


PayPal Pay in 4 stands out as a game-changer in the realm of accessible digital payment solutions by redefining the online shopping experience and making it easier than ever for consumers to shop responsibly and within their means.

At the same time, shoppers should weigh all the pros and cons of this BNPL plan and thoroughly evaluate their financial capabilities to avoid overspending and impulsive purchases.


How do I activate PayPal Pay Later?

When shopping online, you should select PayPal during checkout. Then, select the Pay Later option before choosing the payment method, and finally, choose the desired BNPL plan. PayPal has two basic plans, including Pay in 4 for smaller purchases up to $1,500 and Pay Monthly for purchases up to $10,000. The latter, though, comes with interest that varies between 9.99% and 35.99%.

What is the minimum credit score for PayPal’s Buy Now Pay Later service?

With no minimum credit score requirements in place, PayPal does make soft credit checks to verify your paying capacity and reserves the right to reject the application for BNPL services for customers with poor credit histories.

How to get PayPal Pay in 4?

To qualify for Pay in 4, you should be 18 years of age and have a PayPal account in good standing with a debit or credit card linked to it. Besides, your purchase cost should fall in the $30 - $1,500 range.

Who accepts PayPal Pay in 4?

This payment option is widely accepted in multiple stores worldwide making Pay in 4 a viable and convenient payment method across a diverse range of merchants including global retailers and smaller branded stores.