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Learn About Pay Monthly In Store

Pay Monthly in store Pay Monthly in store. Enjoy the flexibility you love. Pay over 3, 6, 12, or 24 months on an in-store purchase.1 Apply quickly and easily in the PayPal app. Subject to approval. Apply Now Get the App How to Pay Monthly in store Download the PayPal app on your iOS or Android device. Get the App Apply in the app Choose terms Add to wallet Pay in store Enter the amount you’d like for your purchase and apply. Apply Now Find out if you are approved. If approved, pick to repay over 3, 6, 12, or 24 months. You’ll be issued a single-use virtual card to complete your purchase. Add it to your Google2 or Apple Wallet.3 You have 24 hours to pay in store with your virtual card from your Google or Apple Wallet. Apply Now Convenient. Quick. Flexible. Frequently asked questions I was approved for Pay Monthly in the PayPal app, now what? Once approved, your single-use virtual card is immediately available for use within 24 hours. Once added to your Apple or Google Wallet, you can use it to shop at most places where Mastercard is accepted. Restrictions apply to hotel, airfare, travel aggregator sites, gas stations, as well as other transactions. Why is my Pay Monthly amount different than what I paid in store? Since Pay Monthly approval happens before you make an in-store purchase, your approved Pay Monthly amount may be different than the amount you actually spend. Your loan ultimately will only ever be what you spend. For example, if you were approved for $500, but only spent $300 on your transaction using the Pay Monthly loan’s single-use virtual card, you will only make repayments on the $300 loan amount you spent. Your loan transaction will be complete, and you will not have an additional $200 to use on another purchase. To make another in-store transaction with Pay Monthly, apply for another Pay Monthly loan, be approved, and receive a new single-use virtual card. What if my Pay Monthly application isn’t approved? If your Pay Monthly application is unable to be approved, please check your PayPal Message Center for more details. For privacy reasons, only you can see why your application was declined. Our customer service team cannot see your decline explanation reason(s) and cannot review loan applications. If you would like to better understand why you may have been declined and potential ways to increase future eligibility after reviewing your secure message center, visit What are some things I can do that impact my Pay Later eligibility? How do I re-access my single-use card after I was approved? You can re-access your single-use card from your Google or Apple Wallet within 24 hours of loan approval. It will remain in your wallet until you remove it, even after the one-time use. In order to use your loan and tap to pay, you must add your single-use number to your Google or Apple Wallet. You cannot tap to pay directly from the PayPal app. Why was my single-use card declined? Single-use virtual cards can be declined for the following reasons: It has already been used for a purchase. The attempted transaction was for an amount greater than the approved Pay Monthly loan amount. The card expired (24 hours after loan approval). It was used for a restricted transaction. How do I process a return using my single-use virtual card? Returns depend entirely on the merchant’s policy. Please work directly with the store to initiate a return. Depending on how the refund is issued by the merchant, how the refund impacts your loan will vary. Please visit our merchant refund FAQ for more details. Discover more ways to pay Add Cards and Banks PayPal Rewards PayPal Credit Options Pay with QR Code All in the PayPal app It’s your do-it-all digital wallet. Load up on cash back offers before you shop. Track your packages. And manage it all on the go. Get the App Get the App 1 Pay Monthly is a consumer loan, and is subject to consumer credit approval and eligibility. In store single-use card is valid for one purchase and must be used within 24 hours of loan approval. Fixed APR is 0-35.99%. Terms and rates vary based on purchase amount and your credit. For example, a $200 purchase can be paid at 26% APR in 3 monthly payments ($69.56/mo.; $8.68 interest; $208.68 total of payments) . A $600 purchase can be paid at 26% APR in 6 monthly payments ($107.76/mo.; $46.57 interest; $646.57 total of payments) or 12 monthly payments ($57.33/mo.; $88.01 interest; $688.01 total of payments). A $1,500 purchase can be paid at 26% APR in 24 monthly payments ($80.77/mo; $438.47 interest; $1,938.47 total of payments). Payments may change based on shipping, taxes, updates to your purchase, or missed payments. Availability depends on the merchant and may not be available for subscriptions or recurring payments. Pay Monthly is currently not available to residents of AK, CT, HI or WA. You must be 18 years old or older to apply. Missed payments may have an impact on your credit score. The lender for Pay Monthly is WebBank. Marketing and program management by PayPal, Inc. (NMLS # 910457).: RI Loan Broker Licensee. VT Loan Solicitation Licensee. VT residents: THIS IS A LOAN SOLICITATION ONLY. PAYPAL, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS. Servicing by Bill Me Later, Inc. (NMLS#2296861). NMLS Consumer Access. 2 Google Pay is a trademark of Google LLC. 3 Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer. 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