There are no fees to use Pay in 4 and no interest charges. The first payment is due at the time of purchase, while the remaining payments are due every two weeks until you pay off the balance. Pay in 4 allows you to break up payments for select online purchases into four equal installments. You also need an existing PayPal account that’s in good standing. Availability may depend on where you live. You must be at least 18 years of age (or your state’s age of majority) to use Pay in 4. PayPal’s Pay in 4 is a buy now, pay later installment loan available through select retailers. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.

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