Pay in 4 · $50 – $1,000A quarter now.
Three more, two weeks apart.
Split a purchase into four equal payments over six weeks. No interest, no application fee, no hard credit check — just the price, divided by four.
Example: $200 purchase · 0% interest · late fees per state law if a payment fails
Type a price, see the four dates
Four payments, no paperwork
Pay in 4 is the lightest way to spread a cost. There's no loan agreement to read because there's no interest to disclose — just a payment schedule you agree to at checkout.
- 01Choose Pay in 4 at checkoutWith a retailer that accepts a provider in our network, online or in store.
- 02Soft check, decision in secondsYour score isn't touched. New customers usually start with a lower limit.
- 03Pay 25% todayCharged to your debit card or checking account. The item is yours.
- 04Three more every two weeksAutomatic. Reminders arrive two days before each one.
Good for this. Not for that.
Good for
- A purchase you could pay in full next month but would rather spread
- Clothes, shoes, a gift, a small appliance, a textbook
- Smoothing a cost across two paychecks
- People who don't want anything reported to a bureau
Not for
- Anything you can't clear in six weeks — use six-month BNPL
- Cash needs: rent, a bill, a repair — use an installment loan
- Running three or four plans at once
- Building credit — most plans aren't reported
What actually happens when you miss one
- The draft is retriedUsually within a few days. Keep the balance in the account and it clears.
- A late fee may applyCapped by state law and shown in your schedule. Often waived on a first miss if you ask.
- New plans pauseYou can't start another Pay in 4 until the missed payment clears.
- It is rarely reportedMost Pay in 4 providers don't report to bureaus — but a long-unpaid plan can be sent to collections, which is.
Ask before the due date and most providers will move a payment once. Who to contact
Pay in 4 vs. six-month BNPL
Quick answers
How does Pay in 4 work?
The purchase is split into four equal payments. You pay the first 25% at checkout and the remaining three every two weeks, so the plan is finished in six weeks. There is no interest; the retailer pays the provider.
Is there a credit check?
A soft check that doesn't affect your score. Approval is based mostly on your payment history with the provider and your checking account. Most Pay in 4 plans are not reported to credit bureaus, so they neither build nor hurt your credit.
What happens if I miss a payment?
The provider retries the draft, may charge a late fee capped by state law, and usually pauses your ability to start new plans until you catch up. Payments can often be rescheduled once if you ask before the due date.
What's the maximum I can split?
$50 to $1,000 per purchase, with the limit set by the provider based on your history. New customers typically start near the lower end and see the limit rise after a few completed plans.
Pay in 4 or six-month BNPL?
Pay in 4 for purchases you can clear in six weeks — four payments, done. The six-month BNPL plan suits bigger items from $200 to $2,500 where $75–$300 a month is easier than a quarter of the price every two weeks.
Can I pay it off early?
Yes, at any time and at no cost. Because there is no interest, paying early doesn't save money — it just clears the plan sooner.
Check your Pay in 4 limit
A soft check, a limit up to $1,000, and nothing to pay but the price.
Checking your eligibility does not affect your credit score.