PayPal Pay Later services are typically available in two simple ways, Pay in 4, an interest free loan which splits your bill into 4 pieces to help spread the cost of your purchase,
and PayPal Credit, a credit service attached to your PayPal account, which allows you to split the cost across a longer period, with a variable interest rate dependent on the conditions you set.
How does Pay in 4 work?
It's an interest free loan.
With Pay in 4 there's no interest and no setup fees.
Get a decision in seconds.
You won't have wait to see if you are approved.
It's backed by PayPal.
Purchases are covered by the same Buyer Protection you already enjoy from PayPal.
How does PayPal Credit work?
It's like a virtual credit card.
Depending on how you choose to split your payments, you can pay as little as a 0% interest on your credit.
Choose your own terms.
Spread the cost from 4 to 24 months and make a payment against your credit balance each month to spread the cost.
A decision in minutes.
Subject to a credit check and terms acceptance, you'll have a credit limit linked to your PayPal account for immediate use.
How do I choose Pay Later services?
It's really easy to pay with PayPal Pay Later options. Simply check out your basket as normal and choose PayPal as your payment method.
Log into your PayPal account when prompted and in the funding source options, choose Pay in 4 or PayPal credit if available.
It's as simple as that!
Are PayPal Pay Later services available to everyone?
PayPal Pay Later service options are dependent on availability in your country and according to your PayPal account status.
In some cases, some or all Pay Later services may not be available.
Nine Circles are unable to offer direct assistance in these cases, because the availability of services is dependent on your account status with PayPal.
