PayPal Pay in 4 review

Split the cost of your purchases up to $1,500 into 4 equal instalments paid over 6 weeks.

PayPal Pay in 4 is a free-to-use buy now pay later service offered by PayPal, whereby customers can split the cost of their online purchases over 4 equal instalments. The first instalment is due at the time of transaction, and 3 subsequent payments are to be made every 2 weeks after that.

3 things to know about this service:

  • Interest-free. There is no interest charged for using this service.
  • Instant, fee-free sign-up. Receive a decision in seconds and pay no fees for signing up.
  • No late fees. If you fail to make a repayment on time, you won't be charged anything extra.


Min. loan amount


Max. loan amount

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How does PayPal Pay in 4 work?

PayPal Pay in 4 allows you to split your purchase payments into 4 equal instalments via PayPal's payment system. The first payment is paid at the time of purchase, with the 3 subsequent payments paid in fortnightly instalments. Instalments will be taken automatically from your nominated bank account via your PayPal account. There are no fees or interest charged for using this service.

PayPal Pay in 4 is available to current Aussie PayPal customers who are in good standing. If you are not a current user of PayPal, you can open an account to apply. To use this service, you must choose Paypal Pay in 4 at a merchant's checkout online; you will then be taken through a short application process and given a decision in seconds.

You can use PayPal Pay in 4 for eligible shopping cart values between $30 and $1,500. This service is interest-free, has no sign-up or late fees, and is available via millions of merchants online. Pay in 4 is not available via all ecommerce merchants, but it is available across all currencies, not just AUD.

Features of shopping with PayPal Pay in 4

  • 100% interest-free. PayPal Pay in 4 does not charge you interest when you make a purchase using the service.
  • Fee free. PayPal does not charge any fees for its service, including no late fees.
  • Credit limits. PayPal Pay in 4 is available for purchases between $30 and $1,500.
  • Quick and simple sign-up process. You'll receive a decision in seconds when you apply to use this service.
  • Available at thousands of stores across Australia. This service is available Australia-wide across a vast range of retailers.
  • Repayment plan. Make your repayments in 4 instalments over the course of 6 weeks. One payment will be taken at the time of purchase, with the 3 subsequent repayments taken every 2 weeks thereafter.
  • Direct debit. You are not required to remember to meet your repayments, as they will be automatically deducted from your nominated bank account.

PayPal for merchants

For more information on PayPal for merchants, please visit our guide.

How much will this cost?

This service is interest and fee-free.

Eligibility requirements

To sign up for this service, you'll need to meet the following criteria:

  • Be a user of PayPal

While this is a competitive buy now pay later solution, it's still a good idea to compare your buy now pay later options before applying.

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