PayPal Pay Later-Destination Gold Detectors

PayPal Pay Later

PayPal offers short-term, interest-free payments, longer-term, monthly installments, and other special financing options that buyers can use to buy now and pay later. Pay Later is included with the standard PayPal Checkout. However, specific Pay Later offers differ by country.


Pay Later includes the following:

Pay in 4

  • Eligible US buyers can pay in four interest-free payments for purchases of $30 to $1,500.
  • For smaller purchases
  • 4 payments over 6 weeks
  • No late fees and sign-up fees; interest free
  • Backed by PayPal Buyer Protection

Pay Monthly

  • Eligible US buyers can pay in 6, 12, or 24 monthly installments for purchases of $199 to $10,000.
  • For larger purchases
  • No late fees and sign-up fees
  • Interest fee from 0% to 29.99%
  • Backed by PayPal Buyer Protection

Compare Pay Later products


Pay in 41 Pay Monthly2
Purchase Amount $30 to $1,500 $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%
Repayment method Debit card, credit card, or confirmed bank account Debit card or confirmed bank account
Purchase Protection3 Included Included
Sign-up and late fees None None
Autopay available Automatically enrolled at time of purchase Optionally enroll in autopay at time of purchase or any time after


Check out now. Pay Later.

How it Works? 

1. Choose PayPal at checkout then select Pay Later before picking a payment plan.

2. Get a decision in seconds and choose the installment plan that works for you.

3. Make the remaining payments in the app or online with the ease of autopay.


Other Popular Plans Available - Buy Now Pay Later

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