Similar to other Buy-Now-Pay-Later payment methods - Pay in 4 lets you split your purchase into 4 payments, with the first instalment due at the time of transaction and 3 payments made every 2 weeks thereafter.

Pay in 4 is currently not available to all Australian residents. You must be an AU resident and have a PayPal account in good standing or open a PayPal account to apply. If you choose Pay in 4 as your payment method when you check out with PayPal, you will be taken through the application process. You’ll get a decision instantly but not everyone may be approved based on Paypal's internal checks.

Just choose to pay with PayPal when you shop online and if it’s an eligible transaction, you’ll see Pay in 4 as one of the available payment methods. Simply apply for a Pay in 4 plan in just a few steps, get an instant decision, and finish checking out.

You can use Pay in 4 for eligible shopping cart values between $30 to $1,500.

Every Pay in 4 transaction will appear in your activity feed for the full purchase amount under the merchant’s name as a “purchase” within your PayPal activity. This is to reflect the initial total purchase and is not reflective of the Pay in 4 instalment plan or any payments made by your specific payment method.

Yes, you can still apply for a refund for your purchase when you use Pay in 4. Any refund issued more than the outstanding loan amount will be paid to your PayPal Balance.

Refunds are subject to our Refund policy.

There are no fees for choosing to pay with Pay in 4.

Your individual plan will last a little over 6 weeks in total. The first payment will be due at the time of the transaction and 3 subsequent payments will be taken every 2 weeks thereafter.