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PayPal's Pay in 4 lets you pay off purchases over time. Here's how it works

Buy now,pay later from PayPal

PayPal's new interest-free microloan service lets you pay off purchases of up to $600 in four installments. Here's how it works.

Is there something pricey on your wishlist that you want to buy now, but would rather pay off over time instead of upfront? PayPal recently introduced a new service called Pay In 4, which lets you make an online purchase between $30 and $600 and pay it off in four bi-weekly installments. According to PayPal, Pay in 4 doesn't affect your credit score, and there is 0% interest on the bi-weekly payments. Basically, it's like a low-risk microloan backed by PayPal to make purchasing larger items like a TV or laptop more manageable.

To use Pay in 4, you must have a valid PayPal account connected to a debit or credit card. When checking out online during a purchase, look for the Pay Later button under the usual PayPal Checkout button. You will then be prompted to login to PayPal and select your shipping and payment info. PayPal will then either approve or deny your use of Pay in 4. 


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