PayPal is one of our finance partners—they help us enable financing on millions of products.

They offer two types of payment plans:

  • Pay in 4: Four interest-free installments*, paid every 15 days

  • Pay Monthly: Monthly financing*, over 6, 12, or 24 months (0-29.99% APR)

How do I use PayPal to finance my purchase?

  1. Build a cart

  2. Select PayPal during checkout

  3. Once redirected to PayPal, make sure either "Pay in 4" or "Pay Monthly" is selected (note: if you do not see either of these, your account may be ineligible)

  4. Receive your order

  5. It's that easy!

Am I eligible?

PayPal's payment plans are offered to a growing number of US PayPal customers. Availability depends on your state of residence and you must be at least 18 years of age (or the age of majority in your state) to apply. You must also have a PayPal account in good standing or open a PayPal account in order to apply.

If you choose Pay in 4 or Pay Monthly as your payment method when you check out with PayPal, you will be taken through the application process. You will get a decision instantly but not everyone will be approved based on PayPal's internal checks.

What goes into the approval process?

PayPal's decision process is automated and they assess your financial position, the information you provided within your application, and information about your usage and history with PayPal to decide whether financing is suitable for you at this time. They may also use external bureau data to assess your application.

If you are declined, check out this article for recommendations.

Will it affect my credit score?

Pay in 4 will not impact your credit score.

Pay Monthly may require a hard credit inquiry and may impact your score.

What is the min/max finance amount?

Pay in 4 Minimum: $30

Pay in 4 Maximum: $1,500

Pay Monthly Minimum: $199

Pay Monthly Maximum: $10,000

How do I make a payment?

To make a payment, view your payment schedule, and manage your payment methods, please log in to your PayPal account here.

How do I contact PayPal?

To contact PayPal via chat or phone, please visit their contact page.

* Pay in 4 is available upon approval for purchases of $30 - $1500. Pay in 4 is not currently available to residents of New Mexico, North Dakota, South Dakota, Missouri, Wisconsin, or any U.S. Territories. Loans to California residents are made or arranged pursuant to a California Finance Lenders Law License. PayPal, Inc. is a Georgia Installment Lender Licensee, NMLS #910457. Late fees may apply for missed payments depending on your state of residency. When applying, a soft credit check may be needed, but will not affect your credit score. You must be of legal age in your U.S. state of residence to use Pay in 4. Offer availability also depends on the merchant. Offers are not pre-approved offers or firm offers of credit.

* Pay Monthly is subject to credit approval. The APR is 0 - 29.99% based on consumer credit eligibility. Terms and availability may vary based on the merchant and purchase amount and may not be available in all states. PayPal, Inc.: RI Loan Broker Licensee. The lender for Pay Monthly is WebBank.

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