What is Pay in 4?

Pay in 4 is an interest-free instalment product that lets you split your purchase into 4 payments, with the first payment due at the time of purchase and 3 subsequent repayments made every 2 weeks thereafter.

How can I pay with Pay in 4?

Pay in 4 will appear as a payment method for eligible accounts and shopping cart values between $30 and $2,000 AUD when you check out with PayPal. After applying, you’ll receive a decision within seconds. Please note, not every application will be approved by our eligibility checks and some applications may require a credit check with a credit reporting body.

To apply, you must be an AU resident with a PayPal account in good standing or open a PayPal account.

Pay in 4 is not available at all merchants, for all goods, and for certain recurring subscription services.

What are the terms and conditions for my Pay in 4 plan?

A generic version of the Pay in 4 Contract is available contract here. You must read the Pay in 4 before you submit. If you choose to apply and use Pay in 4, you will have the option to download your personalised contract plan from your PayPal account.

Are there any fees associated with Pay in 4?

There are no fees for choosing to pay with Pay in 4. Please note that fees may apply to your use of your PayPal account, which are outlined in Paypal's Combined Financial Services Guide and Product Disclosure Statement.

How long will my Pay in 4 plan last?

Your individual plan will last a little over 6 weeks starting from your first instalment paid at the time of purchase. It will then continue for 3 consecutive 2-week payment cycles unless you repay your plan earlier.


For more information, head to the paypal website here.