PayPal Pay In 4 Not Showing Up (What It Means + How to Do It)

Buy-now-pay-later platforms and functions have become very popular through the last couple of years. PayPal now offers 2 forms of buy-now-pay-later features- PayPal Credit and PayPal Pay in 4.

So, if you have heard about PayPal Pay in 4, but can’t find the feature on your account, you are probably wondering why? I looked into PayPal Pay at 4, and here is what I learned!

Why Is “Pay in 4” not Showing up on PayPal In 2023?

There are two reasons why PayPal Pay in 4 isn’t showing up on your PayPal account. First, is because PayPal may have already done an “internal check” on your account, and decided not to offer it to you yet. Second, is because Pay in 4 is not available in every state yet. However, PayPal is currently working to expand this feature.

You should continue reading if you’re interested in learning more about how PayPal Pay in 4 works, which states it’s not available in, and more!

Why Is PayPal Pay in 4 Not Showing Up?

PayPal is currently only offering Pay in 4 to some of its U.S. users. However, that number is slowly growing. Pay in 4 availability depends on the state you live in.

Currently, Pay in 4 is not available in Missouri, New Mexico, Nevada, North Dakota, Wisconsin, and U.S. territories.

Unfortunately, if you live in any of these states or territories, you’ll have to wait for PayPal to expand the Pay in 4 services.

Furthermore, if you live in a state where Pay in 4 works, but don’t see the feature, it may be because PayPal already did an “internal check” on your account.

During this check, based on your past usage and history, PayPal may have decided it wasn’t “suitable” for you at this time.

How Does PayPal Pay in 4 Work?

How Does PayPal Pay in 4 Work?

PayPal Pay in 4 is another buy-now-pay-later feature that allows you to split your purchase into 4 payments.

With this payment method, you make your first payment at checkout, and the next 3 payments are made every 2 weeks.

Furthermore, Pay in 4 is available for amounts between $30 to $1,500. However, Pay in 4 is currently only available for online payment, so you can’t use it in-store yet.

To use Pay in 4, use the following method:

  1. Do your shopping and then go to checkout
  2. Choose PayPal as your payment method
    • If your purchase isn’t eligible for Pay in 4, you will not be able to use it, and you will not see the Pay in 4 option
  3. Click the “Pay in 4” option
  4. Make your first payment and finish checking out
  5. After, all you have to do is finish paying the last 3 payments every 2 weeks

Additionally, applying for Pay in 4 will not affect your credit score, thankfully.

How Can I Get Approved for PayPal Pay in 4?

To get approved for PayPal Pay in 4, you first have to apply for it.

To apply for Pay in 4, you need to have the feature available in your state, as stated previously, and have an active PayPal account that’s in “good standing.”

Furthermore, if you have the option to apply in your state, you can apply through the app or, or at checkout.

You can apply here for Pay in 4 through or the app.

To apply for PayPal Pay in 4 at checkout, do the following:

  1. Start by choosing PayPal as your payment method at checkout
    • If your transaction is eligible for Pay in 4, it will show up at checkout
  2. Second, tap “Pay Later”
  3. Next, select Pay in 4, and enter any information needed
  4. After, you will get a decision in seconds
    • If you’re approved, you need to make your first payment to finish checking out
  5. Last, you’ll make the remaining 3 payments every two weeks in the app, or through 

Unfortunately, if you’re not approved, you will have to checkout without Pay in 4.

Furthermore, if your application is declined, whether applying through checkout or PayPal, you will be sent an email from PayPal explaining why you were declined

Additionally, PayPal processes your application by considering your financial position, the information you provided on your application, and information from your usage and history with PayPal.

PayPal may even use “external bureau data” to process your application.

Additionally, to finish applying for Pay in 4, you will have to read and accept the “loan agreement.”

There will be a link when you apply to view the loan agreement, which you can choose to download.

To know more, you can also read our posts on why is PayPal so slow, is PayPal a bank, and how long do PayPal refunds take.


PayPal Pay in 4 is another buy-now-pay-later option offered through PayPal. Pay in 4 allows you to buy items and split the purchase into 4 payments over time.

Unfortunately, not everyone has the option to use Pay in 4 yet. This is because PayPal may have already viewed your account and found it not suitable for Pay in 4. Another reason is, PayPal Pay in 4 is only available in the U.S. and is not yet available in every state yet.

Photo of author

Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of

Leave a Comment