Click here for more information on how to confirm your payment method. ![]() Why didn't my repayment go through? There are several reasons we may not have been able to complete your scheduled repayment, including if there were insufficient funds on your debit card, credit card, or bank account used to make your repayment or if your payment method hasn't been confirmed. Once you agree to the terms of your Pay in 4 loan and your repayments begin, you cannot pause, suspend, or skip your repayments. There are no penalty fees for paying off the balance early.Ĭan I pause or suspend my Pay in 4 repayments? No. Then you can make an unscheduled repayment to pay off the entire Pay in 4 loan. Log into your PayPal account, go to your Pay Later section, choose the Pay in 4 plan you want to pay off and click Make a Payment. If this action results in an over payment of your full Pay in 4 plan amount, the overpayment will be refunded to your PP balance account.Ĭan I pay off the entire Pay in 4 plan at once? Yes. Processing a one-time payment after this cut off time, may result in both the one-time repayment and the scheduled auto repayment processing. If autopay is enabled for your Pay in 4 plan, the one-time repayment has to be received prior to 11:59pm ET the day before your repayment due date in order to stop the auto repayment from processing. Then, you can make an unscheduled or extra repayment that will be applied to that Pay in 4 loan. Log into your PayPal account, go to your Pay Later section, choose the Pay in 4 plan you want to pay and click Make a Payment. You can also see the amounts of upcoming repayments by clicking “See Upcoming Payments.”Ĭan I make extra or unscheduled repayments? Yes. There you can see the amounts of your previous repayments in your Plan Activity. Where can I see the amount of my repayments? Log into your PayPal account, go to your Pay Later section, and click on the specific Pay in 4 plan you want to see. The amount you still owe will be under “Remaining. Where can I see how much I owe? Just log into your PayPal account, go to your Pay Later section, and click on the specific Pay in 4 plan you want to see. Your PayPal balance cannot be used for autopay repayments. Currently, your PayPal balance can only be used for one-time repayments that you initiate through the PayPal app or the PayPal website. How do I make my repayments? After your down payment, your 3 subsequent repayments will be taken automatically from the confirmed payment method you provided at the time of application. You do not have to use the entire prequalified amount shown. Your individual Pay in 4 application may be approved for a different amount. My prequalified Pay in 4 amount does not match what I want to spend. Not all customers will see a prequalified amount. The prequalified amount may change or even go away as it is based on a number of factors, including account status, current loan balance, and repayment history along with many others. You must still apply and be approved for Pay in 4 during checkout. Prequalification does not guarantee approval. ![]() I see a prequalified amount for Pay in 4, what does that mean? A Pay in 4 prequalified amount is an estimate of how much you can spend with Pay in 4 on your next purchase. We have sent a letter with the details and reasons your application was declined to your PayPal Message Center. For privacy reasons, only you can see why your application was declined. ![]() Why was my preapproved Pay in 4 application declined? Preapproval is not a guarantee of approval as disclosed in the application process. Our Customer Service team can’t see your decline explanation reason(s) and cannot review loan applications. We will send you a message in the PayPal Message Center explaining why your application wasn’t approved at this time. If your application gets declined, you can still use PayPal to check out securely with other payment methods in your wallet. Why was my Pay in 4 application declined? A soft credit check may be needed, but it will not affect your credit score. Applying for Pay in 4 will not impact your credit score. Will applying for Pay in 4 impact my credit score? No. ![]() We may also use external bureau data to evaluate your application. How is my application for Pay in 4 evaluated? Our decisioning process is automated and we evaluate information such as the information you provided within your application and information about your usage and history with PayPal.
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