PayPal offers short-term, interest-free payments and other special financing options that buyers can use to buy now and pay later, while merchants get paid up-front. Pay Later is included with the standard PayPal Checkout. However, specific Pay Later offers differ by country.

Pay Later in the UK includes the following:

• Pay in 3 – Eligible UK buyers can pay in three interest-free payments for purchases of £30 – £2,000.
• PayPal Credit – Eligible UK buyers receive a revolving line of credit that they can use to pay over time. PayPal Credit offers either 0% interest for 4 months on purchases over £99 or a merchant-specific Installment offers. For the 0% interest for 4 months offer, any remaining balance due after the promotional period or any transactions under £99 are charged interest at the standard variable rate. Terms and conditions apply.

Pay Later in the Italy includes the following:

• Pay Later in Italy includes Pay in 3 instalments, which eligible buyers in Italy can use to pay in three interest-free payments for purchases of 30€ – 2,000€. The first payment is due at the time of the transaction, and subsequent payments are due every month.

Pay Later in the France includes the following:

• Pay Later in France includes Pay in 4X, which is an installment offer that allows consumers to spread the cost of a purchases across four equal payments for transactions between 30€ – 2,000€. The first payment is due at the time of the transaction. The subsequent payments spread across 90 days.

Pay Later in the Spain includes the following:

• Pay Later in Spain includes Pay in 3 instalments, which eligible buyers in Spain can use to pay in three interest-free payments for purchases of 30€ – 2,000€. The first payment is due at the time of the transaction, and subsequent payments are due every month.

Pay Later in Germany includes the following:

• PayPal Ratenzahlung – Eligible German buyers can pay in 3, 6, 12, or 24 monthly installments for purchases of 99€ to 5,000€.
• Pay in 30 – Eligible German buyers can pay within 30 days for purchases of 1€ to 1,000€.