Why was my pay in 4 application declined? Currency conversion charges will apply and can be found in the PayPal User Agreement. For transactions not in USD, PayPal will automatically convert the transaction amount to USD at checkout before providing you with your Pay in 4 plan. Transactions can be made in all currencies that PayPal supports, not just USD. Pay in 4 is available to use at select merchants where PayPal is accepted. The down payment will be due at the time of the transaction and 3 subsequent repayments will be taken every 15 days thereafter. Your Pay in 4 loan will last a little over 6 weeks in total. However, if your repayment is returned because of non-sufficient funds or for another reason, your financial institution may charge you an NSF or other fee. PayPal does not charge any sign-up, application, late, or NSF fees when you pay with Pay in 4.
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Once your plan starts, we will send you an email containing important information about your Pay in 4 loan, including how to locate your loan agreement.Īre there any fees associated with Pay in 4?
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You will also have the option to download the loan agreement.
You will see the link to the loan agreement when you choose to apply for Pay in 4 at checkout. You must read the loan agreement for your Pay in 4 loan before you submit your application. Offer availability depends on the merchant and may not be available for certain recurring subscription services.Īre there terms and conditions for my Pay in 4 loan? Pay in 4 is not available for certain merchants and goods. You must also have a PayPal account in good standing or open a PayPal account to apply. 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. Upon applying, you'll receive a decision within seconds, although not every application will be approved.
Pay in 4 will appear as a payment method for eligible shopping cart values between $30 to $1,500 when you check out with PayPal. Pay in 4 is an interest-free installment loan that lets you split your purchase into 4 repayments, with the down payment due at the time of the transaction and 3 subsequent repayments made every 15 days thereafter.
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