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Buy now, pay later with PayPal

Enjoy now. Pay later.

Time, flexibility, and security are on your side. Buy what you like and break the payments up over weeks or even months.

Flexibility to

pay the way

that works for

you

Pay over time

Divide your purchase into interest-free installments with the power of Pay in 41 or Pay Monthly2.

Widely available

Shop at XOTIC PC, and enjoy the peace of mind to pay later.

Easy on your credit score

Choose Pay in 41 and relax knowing it won't impact your credit score.

Buying with protection

Enjoy Purchase and Fraud Protection on eligible purchases.3

How Pay Later works

Pay in 4

One payment down, 3 more to go. Split purchases between $30-$1500 into 4 interest-free, bi-weekly payments without the stress of late fees.1

  • For smaller purchases
  • 4 payments over 6 weeks
  • No late fees; interest-free

Pay Monthly

Buy bigger, breathe easier. Enjoy the flexibility of 6,12, or 24-month payment plans, $0 down, and no sign-up or late fees.2

  • For larger purchases
  • Monthly installments
  • No late fees

-

Pay in 41

Pay Monthly2

Purchase Amount

$30 to $1500 

$199 to $10,000

Number of payments 

4 interest-free payments 

6, 12, or 24 payments

Time between payments 

Bi-weekly (1 down payment & 3 payments) 

Monthly

APR 

0% 

9.99-35.99%. Rates as low as 4.99% from time to time.

Repayment method 

Debit card, credit card, or confirmed bank account 

Debit card or confirmed bank account

Purchase Protection3 

Included 

Included

Late fees 

None 

None

Sign-up Fees 

None 

None

Autopay available 

Automatically enrolled at time of purchase 

Optionally enroll in autopay at time of purchase or any time after

Soft credit check may be needed but will not affect your credit score.

Buy what you love now. Pay later.

Choose PayPal at checkout

Then select Pay Later before picking a payment option.

Get a decision in seconds

Choose the installment plan that works for you.


Make the remaining payments

Do it securely in the app or online with the ease of autopay.


Frequently asked questions

Why use buy now, pay later?

Buy now, pay later is an excellent option if you want to make a large purchase more affordable by paying it off over time. Get what you want and break the payments up over weeks or even months.


Will you pull my credit when applying for PayPal Pay Later?

When applying, a soft credit check may be needed, but will not affect your credit score.​ You must be 18 years old or older to apply.

Does Pay in 4 or Pay Monthly charge interest and fees?

Pay in 4 is always interest-free, with no late fees or signup fees. With Pay Monthly, you may pay interest depending on your APR, and you won’t pay any late fees or signup fees.

Can I pay early with monthly payments?

Yes, you can view your Pay Monthly remaining balance in the PayPal app by clicking Pay Later. There you can make additional payments as desired or pay off the loan in full at any time and you won’t be charged a fee or penalty if you do so.

  1. Pay in 4 is available to consumers upon approval for purchases of $30 to $1500. Pay in 4 is currently not available to residents of MO or NV. Offer availability depends on the merchant and also may not be available for certain recurring, subscription services. When applying, a soft credit check may be needed, but will not affect your credit score. You must be 18 years old or older to apply. PayPal, Inc.: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee. NM residents: Find more disclosures related to Pay in.
  2. Pay Monthly is subject to consumer credit approval. Fixed APR is 9.99-35.99% based on your credit. Rates as low as 4.99% from time to time. Terms may vary based on purchase amount. For example, a $600 purchase can be paid at 22% APR in 6 monthly payments ($106.51/mo.; $39.08 interest; $639.08 total of payments) or 12 monthly payments ($56.16/mo.; $73.88 interest; $673.88 total of payments). A $2,500 purchase can be paid at 22% APR in 24 monthly payments ($129.70/mo; $612.69 interest; $3,112.69 total of payments). Payments may change based on shipping, taxes, updates to your purchase, or missed payments. Offer availability depends on the merchant and may not be available for subscriptions or recurring payments. Pay Monthly is currently not available to residents of AK, HI, MA, NV, NY or TX. You must be 18 years old or older to apply. Missed payments may have an impact on your credit score. The lender for Pay Monthly is WebBank. PayPal, Inc. (NMLS #910457): CT Small Loan Licensee. RI Loan Broker Licensee. VT Loan Solicitation Licensee. VT residents: THIS IS A LOAN SOLICITATION ONLY. PAYPAL, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.
  3. Available on eligible purchases. Limits apply. See PayPal Purchase Protection terms and conditions.
    All screen images are for illustrative purposes only.