How To Use Paypal Buy Now Pay Later Apr 2026

: Complete a brief application. PayPal will perform a soft credit check (which does not impact your credit score) and provide a decision in seconds.

: If approved, select your preferred repayment term (e.g., 6 or 12 months). how to use paypal buy now pay later

: Open the PayPal app, enter the estimated purchase amount, and apply for Pay Monthly . : Complete a brief application

: While PayPal does not charge late fees, missing payments can still result in restricted access to future loans and may eventually impact your credit score if the account becomes significantly delinquent. select your preferred repayment term (e.g.