PayPal Pay in 4 Limit: How Much Can You Spend?

Pay in 4 limits

Are you itching to do some shopping, but you don’t have enough money in your bank account? With the introduction of popular payment programs from major sites like PayPal, this is a worry that you can leave in the past. Their Pay in 4 program allows you to split up your purchase, but what exactly is the PayPal Pay in 4 limit? 

If you choose to pay with this program, you can make purchases from $30 to $1,500. Payments will be split up over the course of six weeks with the first payment due at the time of your transaction. Not all merchants participate with this program. 

For those who can benefit from this buy now and pay later program, here are all the details you need. 

Approval Requirements for Pay in 4

We have also made an article about the reason why you may have gotten “Not approved for pay in 4“, where we break down the reasons and the solution’s.

Before we discuss the PayPal Pay in 4 limit, you should know how this program actually works and what you need to qualify. It allows you to purchase high ticket items and conveniently splits your purchase into four easy payments.

This program is being offered to most US-based customers, but it can vary depending on what state you live in. All applicants must be at least eighteen years old or the age of majority for your particular state. 

One alternative to Pay in 4 is Cash App borrow

To qualify, you need a PayPal account in good standing or be willing to open an account.  

PayPal Pay in 4 Limit

They will also run a soft credit check. This check does not damage your credit score in any way, so you can rest easy about that. 

If you qualify, payments are made easy. The down payment is due at the time you make your purchase, and the subsequent payments are made every two weeks after. The due dates and amounts owed will be shown to you before the purchase is completed. 

As the name implies, you must make the full payment within four payments. You will have six weeks to pay off the item you purchase in full. 

What is the PayPal Pay in 4 Limit? 

If you are shopping and plan to use the Pay in 4 option, you need to know where to cap your spending. What is the PayPal Pay in 4 limit that you will encounter? 

The good news is that there is a relatively low minimum and a high maximum for spending with this program. Purchases as low as $30 will qualify, and you can spend a maximum of $1,500

There are no fees associated with this payment option, so you will not be charged more than the maximum amount of $1,500. The only time you will encounter additional fees is if you miss a payment. In these types of situations, you will be penalized with a late fee. 

Transactions can be made in any type of currency that PayPal supports. You are not limited to spending only at retailers that accept USD. For transactions in other currencies, PayPal will automatically convert the charge to USD at the checkout. You will see the amount before you sign on the dotted line of your Pay in 4 plan. 

Take Advantage of the PayPal Pay in 4 Program

If you want to make a purchase but don’t have the funds, you can always apply for the PayPal Pay in 4 program at participating retailers. This allows you to set payments from $30 to the PayPal Pay in 4 limit of $1,500 over six weeks. It just might help you to make that necessary purchase without draining your bank account right now. 

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