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Pay in 4 interest-free payments on orders between $30-$2000. Your plan will last 6 weeks in total. The first payment will be due at the time of purchase, followed by 3 further payments due every two weeks after that. Pay in 4 is a form of credit, so carefully consider whether you can afford the repayments as use of the product may impact your credit score. See terms here.

How do I use PayPal Pay In 4?

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    Place items in your basket & head to checkout.

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    Select PayPal as your payment option, log into your PayPal account and apply for Pay in 4 in a few simple steps.

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    Make the first payment at the time of purchase and pay the rest in 3 payments - one every two weeks.

What you need to get started:

  • Be 18 years of age or older
  • An Australian residential address
  • A PayPal account in good standing
  • Pay in 4 eligibility is subject to status and approval


Pay in 4 is a feature that lets you split your purchase into 4 payments, with the first instalment due at the time of purchase and 3 subsequent payments made every 2 weeks thereafter.

Just choose to pay with PayPal when you shop online and if it is an eligible transaction, you will 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.

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. PayPal pays the merchant upfront for the transaction and spreads that cost over 6 weeks, automatically withdrawing funds from your PayPal account based on the payment method selected during the Pay in 4 application and in line with the payment schedule agreed in your Pay in 4 Contract. The first instalment and subsequent instalments each will be reflected as a separate transaction in your PayPal activity and represents the actual repayments made.

There are no fees for paying with PayPal Pay in 4.

You must read the Pay in 4 Contract for any Pay in 4 plan before you submit your application. You will see the link to the Contract when you choose to apply for Pay in 4 at checkout. You will also have the option to download the Contract. Once your plan starts, PayPal will send you an email containing important information about your Pay in 4 plan, including how to locate your Contract.

Visit PayPal's Customer Service for ways to reach them or for further FAQ's please visit here.

PayPal Pay in 4 is a trading name of PayPal (Europe) S.á.r.l. et Cie, S.C.A., 22-24 Boulevard Royal, L-2449, Luxembourg.