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With Pay Later Finder, you can search and find 'Buy Now Pay Later' retailers for just about anything you can possibly think of! We search millions of products to match your searches to the perfect store results! Give it a try!
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Best Stores that accept PayPal Pay in 4

We shortlist the top retailers where you can use PayPal Pay in 4

Looking for where you can Buy Now Pay Later in the United States using PayPal Pay in 4? We've shortlisted some of the best online retailers across various categories that accept this payment option.

Clothing & Fashion

Our top picks for clothing stores where you can use PayPal Pay in 4 include Revolve clothing, ASOS, Modcloth and more. Find clothing, footwear, sportswear and everything you need to suit your style.

womens winter fashion

Revolve

man in jumper

ASOS

man wearing stylish jacket

Banana Republic

clothing model

Modcloth

Electronics & Tech

PayPal Pay in 4 is a great way to buy now pay later on electronics and tech products like mobile phones, laptops, tablets, video game consoles, camera gear and so much more.

modern kitchen

Walmart

apple laptop

Back Market

samsung watch

Samsung.com

Sporting Goods & Footwear

Find sporting goods, fan gear, gym clothing and all your fitness needs at the following stores. Simply select PayPal during the checkout process and then 'Pay in 4' to split up your purchase.

blackhawks gear

Fanatics

shoes

Zappos

nike sneakers

Finish Line

guy in gymwear

Gymshark

Furniture & Home Decor

Buy now pay later on living room furniture, home decor, beds and mattresses and so much more. Some of the best online furniture retailers with PayPal include.

living room

Castlery

comfy mattress

DreamCloud Sleep

living room sofa

25 Home

people sleeping

Nectar Sleep

Beauty & Skincare

We've shortlisted leading online retailers for beauty and skincare products where you can select PayPal Pay in 4. Find all your favourite beauty brands at the following stores.

cosmetics

Sephora

makeup flatlay

Ulta Beauty

cosmetics

Origins

cosmetics

Estee Lauder

Pet Products

Don't forget about your little four pawed friends. Shop dog and cat good, pet toys, accessories and all your pet needs.

dog

Chewy

dogs running

Pet Supermarket

cat litter robot

Litter Robot

dog running on the beach

Petflow

Jewelry

Pay using PayPal Pay in 4 on jewelry like necklaces, earrings, bracelets, charms, engagement rings and so much more.

jewelry by Mejuri

Mejuri

diamond rings

Blue Nile

diamond ring

Brilliant Earth

mens jewelry

John Hardy

Baby & Kids

Shop all your baby needs like clothing, prams and strollers, toys and more at the following online retailers.

kids in winter clothing

Maisonette

newborn under blanket

Babylist

kids clothes

Carters

baby clothes

Burts Bees Baby

Gifts & Flowers

Uncover where you can buy now pay later on flowers and gift ideas in the United States using PayPal Pay in 4. Our top picks include:

flower bouquet

ProFlowers

flower bouquet

Teleflora

gift journal

Minted

gift basket

Harry & David

What is PayPal Pay in 4?

PayPal Pay in 4 is a 'buy now, pay later' payment option that allows you to easily split online purchases into four interest-free installments. When you check out online with participating retailers, you can select Pay in 4 (if you qualify). You pay a portion of the total upfront, then make the remaining payments over a set schedule (usually every two weeks). We've made the process easy by putting together a list of the some of the top online stores where you can use PayPal Pay in 4.

How does PayPal Pay in 4 work?

  1. When you are ready to pay, choose PayPal as your payment method at checkout.
  2. Then select 'Pay Later with Pay in 4' from PayPal"
  3. Complete the quick application (you'll know within seconds if you're approved).
  4. Once approved, you pay the first installment at checkout.
  5. Enjoy your purchase while paying over time!

What does it cost?

Interest: Pay in 4 does not charge interest for on-time payments in the U.S.

Fees: As of now, PayPal typically does not charge late fees for Pay in 4 in the U.S., but terms can vary. If you miss a payment, PayPal may restrict your account or deny future Pay in 4 requests. Always check the latest policy details on your PayPal account page.

Is there a minimum spend?

Yes. Generally, your purchase must meet a minimum threshold to be eligible for Pay in 4. In the United States, that minimum is often $30 (but can vary slightly by merchant). If your cart total is below that amount, you won't be able to see the Pay in 4 option.

Is there a spending limit with PayPal Pay in 4?

The upper limit for Pay in 4 is typically $1,500 for most eligible purchases in the U.S. However, PayPal may offer you a lower personalized limit based on factors like your credit history or how long you’ve been a PayPal user. If your purchase is above the eligible limit, you won’t be able to select Pay in 4 at checkout.