PayPal Pay in 4 – What Is It and How to Use

If you’re buying a big-ticket item or an emergency purchase, it can be difficult to make the entire payment at once. Credit cards allow you to split payments but with steep interest rates.

Are you looking for an easier way to make online payments? Are you tired of paying interest and hidden fees when using your credit card to shop online? Take advantage of PayPal Pay in 4 for reasonable and interest-free payments on your online purchases.

Read on to discover what it is and how you can use this for online shopping.

What Is PayPal Pay In 4?

PayPal Pay in 4 is a unique way to pay for goods or services online. This service makes payments manageable by splitting them into 4 easy installments. This is backed by PayPal, a platform used in over 200 countries.

Using PayPal Pay in 4, you can split the total cost of an item or service. These 4 installments need to be paid within six weeks. These include a deposit upon checkout to make the succeeding installments more affordable.

The best part? Not only is this service easy to use, but it also has no impact on your credit score. 

Advantages of Using PayPal Pay in 4

This service is a win-win for both merchants and shoppers. Online sellers get the entire payment up front from PayPal, while buyers only have to deal with interest-free installments.

Here are the other benefits that shoppers enjoy when using this option:

Shop Across Millions of Online Stores

PayPal Pay in 4 can be used by any PayPal customer across millions of online stores. You can effectively shop at your preferred brands and retailers, provided they accept payments via PayPal.

Take note that your credit card may not be accepted in certain areas or may charge fees for international transactions. Since PayPal is accepted in most countries, you’re no longer limited to local stores.

No Interest or Hidden Charges

PayPal Pay in 4 is completely interest-free. Not only that, but there are no hidden fees or extra costs associated with using this payment method. You pay the exact amount mentioned at checkout.

Great Alternative to Credit Cards

Some shoppers prefer to avoid using credit cards for various reasons. With credit card payments, you may be blindsided by exorbitant interest rates and transaction fees.

Good thing that PayPal Pay in 4 is a great alternative to using a credit card. It is a transparent and easy way to make online payments.

No Effect on Your Credit Score

PayPal Pay in 4 requires a credit check, but using it has no bearing on your credit score.

Quick Approval Time

Upon checkout, the merchant will confirm quickly if you can use Pay in 4 as a payment method. You don’t need to wait long for approval as PayPal provides this in a matter of seconds.

Buy Now Pay Later

PayPal Pay in 4 ensures that you get products or services immediately without shelling out a huge amount of cash up front. This means that you can enjoy your purchase immediately, even big-ticket items.

Mobile Shopping

You don’t need a laptop or desktop to access this service. The payments can be easily checked, managed, and monitored via the PayPal app or online on 

Higher Limit

Given its growing popularity, PayPal raised the spending limit for Pay in 4 from $600 to $1,500 in June 2021. This allows you to buy major items like furniture or the latest gadget without the inconvenience of going to a physical store.

PayPal Security

Since Pay in 4 is backed by PayPal, you can rely on the high level of protection that the platform provides. Your financial information is kept confidential throughout the process. Plus, you can easily dispute any fraudulent activity on your PayPal account. 

How to Use PayPal Pay in 4

All you need to do is sign up for PayPal if you haven’t already. Once you’re a customer, you can avail the benefits of PayPal Pay in 4 and other services offered by the platform.

When making an online purchase, here’s how you can avail of Pay in 4:

  1. Select PayPal as your payment method during checkout.
  2. Then, you need to choose the option “Pay Later.”
  3. Once you’ve selected “Pay Later,” click on the option “Pay in 4”.
  4. After you’ve selected “Pay in 4” as an option at checkout, you’ll get a confirmation from PayPal within seconds.
  5. Once you get the approval, you can complete your purchase using Pay in 4.

Take note that the first payment for Pay in 4 is due immediately upon checkout. This initial payment is usually about 25% of the total cost of the product or service. After that, the rest of the payments are due every 15 days.


More shoppers are using PayPal Pay in 4 because of its flexibility and simplicity. By splitting your total spend into more affordable installments, it’s easier to purchase expensive products or services online.

For those mindful of high interest rates, Pay in 4 has become a great alternative to using credit cards. Plus, it has no impact on your credit score.

Since PayPal is a trusted payment platform, you can enjoy its benefits and security while shopping online.

Skip the financial stress of hidden fees and steep monthly payments. When it’s time to pay for your online shopping cart, remember to choose PayPal Pay in 4.