How To Get Approved For PayPal Pay In 4: Simple Guide

PayPal Pay in 4 is a popular payment solution that allows customers to make purchases in four interest-free installments. It offers a flexible and convenient way to manage payments. However, getting approved for PayPal Pay in 4 requires a few essential steps. Hence, we have designed this simple guide on How To Get Approved For PayPal Pay In 4 plan to guide you on the necessary approach to take.  Let’s dive into it together to enable you to get the proper guide you desire.

What Is PayPal Pay In 4?

PayPal Pay in 4 is an interest-free installment plan where qualified customers are allowed to split their purchases amount into four equal repayment plans on a bi-weekly basis. However, you will be required to make the first down payment of 25% of your purchase amount. And you will pay the remaining unpaid amount bi-weekly for a range of six weeks. The amazing thing about this offer is that PayPal doesn’t charge any fees like late fees, origination fees or interest on this Pay in 4 plan.

However,  this PayPalpay in 4 plan is not available for all the goods selected retailer stores where PayPal is accepted. Hence it is best know the certain goods that this offer can cater for but if you must buy products that are not under the coverage of this plan then you will have to use your PayPal account that is linked to a bank account, credit or debit card to carry out such transaction.  

How PayPal Pay In 4 Works

PayPal Pay in 4 is accepted in famous stores like Best Buy, Target, Bed Bath etc. So If you visit any of the participating stores for shopping, you can ask for PayPal pay in 4 payment methods at the checkout.

Once you choose the plan at the checkout, the PayPal terms and conditions will prompt you to read the loan agreement and go ahead to submit a simplified application with a few of your personal details. At this point, PayPal will make an immediate decision on whether you are qualified for the offer or note.

If your application is approved at the checkout, you will make the first payment of 25% of your total purchase amount. For the remaining unpaid amount, you will pay it bi-weekly for a period of six weeks.

How To Get Approved For PayPal Pay In 4

To be able to get approval for PayPal pay in 4 plan, you will have to follow these steps:

1. Create A PayPal Account 

The first step to getting approved for PayPal Pay in 4 is to have a PayPal account. If you don’t have one, then you have to go to the PayPal website and sign up. It’s a simple process that requires basic information like your name, email address, and a secure password. Make sure to provide accurate details to avoid any complications during the approval process.

2. Verify Your Account

Once you’ve created your PayPal account, it’s essential to verify it. PayPal offers various verification methods, including linking a bank account or adding a credit/debit card. Verifying your account not only adds an extra layer of security but also increases your chances of getting approved for PayPal Pay in 4.

3. Check Eligibility

Before applying for PayPal Pay in 4, it’s crucial to ensure that you meet the eligibility criteria. Currently, PayPal requires users to have a US PayPal account, be at least 18 years old, and have a valid credit or debit card linked to their account. If you meet these requirements, you’re ready to proceed with the application process.

4. Apply For PayPal Pay In 4

To apply for PayPal Pay in 4, log in to your PayPal account and navigate to the PayPal Pay in 4 page. Click on the “Apply Now” or “Get Started” button, and you’ll be directed to the application form. Fill in the necessary details, such as your personal information, income, and employment status. Providing accurate and up-to-date information is crucial to improve your chances of approval.

5. Review And Submit Application 

Before submitting your PayPal Pay in 4 application, take a moment to review the information you’ve provided. Ensure that all details are accurate, as any discrepancies may lead to delays or rejection. Once you’re confident in the accuracy of your application, submit it for review.

6. Wait For Approval

After submitting your application, PayPal will review it to determine your eligibility for PayPal Pay in 4. The approval process typically takes a few minutes, but it can sometimes take up to a few business days. During this time, it’s crucial to be patient and avoid submitting multiple applications, as this may complicate the process.

7. Receive Approval Notification

Once PayPal has reviewed your application, you’ll receive a notification via email or in your PayPal account. If approved, the notification will provide details about your PayPal Pay in 4 account, including your credit limit and payment schedule. If rejected, the notification may include reasons for the decision, allowing you to address any issues and reapply if necessary.

8. Start Using PayPal Pay in 4 

If you’ve received approval for PayPal Pay in 4, you can now start using this convenient payment option. Simply select PayPal Pay in 4 at checkout when making a purchase, and the payment will be divided into four equal installments. Make sure to make your payments on time to maintain a good reputation with the platform.

Eligibility Criteria To Get Approved For PayPal Pay In 4

To be able to get approved for PayPal pay in 4 plan, you will be  required to meet some eligibility criteria, some of the requirements to get approved for PayPal pay in 4 plan include:

  • You must be up to 18 years old.
  • You are expected to buy products worth between $30 – $1,500 in the participating stores that accept PayPal as a payment option like Target, Best Buy etc.
  • You must live in an eligible region to be able to get approved for this offer.
  • You are expected to pass PayPal’s soft credit check on your credit report.
  • You are expected to have a PayPal account with a good positive balance.


It is important to note that PayPal is not available in New Mexico, North Dakota, Wisconsin, U.S. Territories, Missouri, Nevada. So if you reside within this region you won’t be able to access PayPal.

The approval decision is usually instant but is determined by some factors like your past history with PayPal, the information on your application and your information from the credit bureaus. So to get approved to use this PayPal offer, it is best to provide correct information about yourself, ensure that you build a good reputation with credit bureaus. Finally, ensure that you normally repay your PayPay payments on time as agreed to enable you to build trust with the platform. If you do the above correctly, you will have higher chances of getting your PayPal pay in 4 plans approved.

How To Use PayPal Pay In 4

PayPal Pay in 4 is a feature that allows you to split your purchase into four equal payments, with the first payment due at the time of purchase. To use PayPal Pay in 4, follow these steps:

  1. Create a PayPal account: If you don’t have a PayPal account, visit the PayPal website ( and click on the “Sign Up” button to create a new account. You will need to provide your personal information and link a bank account or credit card to your PayPal account.
  2. Verify your account: Once you have created your PayPal account, you may need to verify it by confirming your email address and linking and confirming a bank account or credit card. Follow the instructions provided by PayPal to complete the verification process.
  3. Find a retailer that accepts PayPal Pay in 4: Look for online stores or retailers that offer PayPal as a payment option. Not all merchants may support PayPal Pay in 4, so make sure to check their accepted payment methods before proceeding.
  4. Add items to your cart: Browse the retailer’s website and select the items you wish to purchase. Add them to your cart as you would with any other online shopping experience.
  5. Proceed to checkout: When you’re ready to complete your purchase, proceed to the checkout page. Look for the PayPal payment option or logo and select it.
  6. Select PayPal Pay in 4: Once you’ve chosen PayPal as your payment method, you should see the option to use PayPal Pay in 4. Click on that option to proceed.
  7. Review and confirm your purchase: You will be redirected to the PayPal website to review and confirm your purchase details. Make sure everything is correct, including the shipping address and the total purchase amount.
  8. Choose PayPal Pay in 4 payment option: On the PayPal payment page, you will see the option to split your payment into four installments. Select this option to continue.
  9. Complete the first payment: You will be asked to make the first payment at the time of purchase. This initial payment will be higher than the remaining three payments, as it covers the first installment and any applicable fees. Follow the instructions provided to make this payment using your linked bank account or credit card.
  10. Automatic payments: After making the first payment, PayPal Pay in 4 will automatically charge your linked payment method for the remaining three equal payments. These payments will be scheduled every two weeks, and you will receive notifications from PayPal regarding the upcoming payments.
  11. Monitor your payments: Keep an eye on your PayPal account and linked payment method to ensure that the subsequent payments are being processed correctly. Make sure you have sufficient funds or available credit for each payment.

Advantages Of Using PayPal Pay In 4 Plan

There are many benefits accruing from using PayPal pay in 4 plan, they include:

  1. It is an interest-free plan.
  2. It won’t incur late fees.
  3. Approval decision is instant.

Wrap Up

Getting approved for PayPal Pay in 4 involves a series of steps, from creating a PayPal Business Account to integrating the payment solution into your online store. By fulfilling the eligibility requirements, contacting a PayPal sales representative, and promoting the payment option to your customers, you increase the likelihood of approval. Regular monitoring and optimization will ensure a seamless payment experience for your customers. Offering PayPal Pay

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