Buy Now,
Pay Later

PayPal's decision process is automated and they evaluate information such as the information you provided within your application and information about your usage and history with PayPal. They may also use external bureau data to evaluate your application.

No. Applying for Pay-in-4 will not impact your credit score. A soft credit check may be needed, but it will not affect your credit score.

If your application gets declined, you can still use PayPal to check out securely with other payment methods in your wallet. PayPal will send you a message in the PayPal Message Center explaining why your application wasn’t approved at this time. PayPal's Customer Service team can’t see your decline explanation reason(s) and cannot review loan applications.

Pre-approval is not a guarantee of approval as disclosed in the application process. For privacy reasons, only you can see why your application was declined. PayPal has sent a letter with the details and reasons your application was declined to your PayPal Message Center.

A Pay-in-4 pre-qualified amount is an estimate of how much you can spend with Pay-in-4 on your next purchase. You only pay back what you borrow. Pre-qualification does not guarantee approval. You must still apply and be approved for Pay-in-4 during checkout.

The pre-qualified amount may change or even go away as it is based on a number of factors, including account status, current loan balance, and repayment history along with many others.

Not all customers will see a pre-qualified amount.

The prequalified amount is an estimate. Your individual Pay in 4 application may be approved for a different amount. You do not have to use the entire prequalified amount shown.

After your down payment, your 3 subsequent repayments will be taken automatically from the confirmed payment method you provided at the time of application. Currently, your PayPal balance can only be used for one-time repayments that you initiate through the PayPal app or the PayPal website. Your PayPal balance cannot be used for autopay repayments.

Just log into your PayPal account, go to your Pay Later section, and click on the specific Pay-in-4 plan you want to see. The amount you still owe will be under “Remaining.”

Log into your PayPal account, go to your Pay Later section, and click on the specific Pay-in-4 plan you want to see. There you can see the amounts of your previous repayments in your Plan Activity. You can also see the amounts of upcoming repayments by clicking “See Upcoming Payments.”

Yes. Log into your PayPal account, go to your Pay Later section, choose the Pay-in-4 plan you want to pay and click Make a Payment. Then, you can make an unscheduled or extra repayment that will be applied to that Pay-in-4 loan.

Important information. If autopay is enabled for your Pay-in-4 plan, the one-time repayment has to be received prior to 11:59pm ET the day before your repayment due date in order to stop the auto repayment from processing. Processing a one-time payment after this cut-off time, may result in both the one-time repayment and the scheduled auto repayment processing. PayPal is unable to return payments. If this action results in an overpayment of your full Pay-in-4 plan amount, the overpayment will be refunded to your PayPal balance account.

Yes. Log into your PayPal account, go to your Pay Later section, choose the Pay-in-4 plan you want to pay off and click Make a Payment. Then you can make an unscheduled repayment to pay off the entire Pay-in-4 loan. There are no penalty fees for paying off the balance early.

No. Once you agree to the terms of your Pay-in-4 loan and your repayments begin, you cannot pause, suspend, or skip your repayments.

There are several reasons PayPal may not have been able to complete your scheduled repayment, including if there were insufficient funds on your debit card, credit card, or bank account used to make your repayment or if your payment method hasn't been confirmed. Click here for more information on how to confirm your payment method.

Missing a repayment may cause your account to become Past Due. You may receive an automated phone call, reminding you of your past due balance and informing you of how you can make your repayment.

Missed repayments may impact future eligibility for Pay Later products.

If you want to make future repayments with a different or updated payment method, you can change your payment method by logging into your PayPal account, going to Pay Later section, and selecting the Pay-in-4 plan you want to change. There, you can click “Change” under “Payment Method” to update your information or choose a new way to pay. You'll need to confirm your new payment method before you can use it for repayments.

Your Activity is always up to date on the Pay Later section of your PayPal account, so any repayments you make should appear there immediately.

Yes. You must continue making repayments when due while PayPal investigates your dispute.

Yes, it’s important to continue making repayments according to your payment schedule even if you are expecting a refund.

Once a merchant processes your refund, PayPal will apply the refunded amount to your Pay-in-4 loan. If the refunded amount exceeds the outstanding loan balance, the excess money will be applied to your PayPal balance. If the refunded amount does not exceed the outstanding loan balance, you must continue to make your Pay-in-4 repayments until the loan is paid in full. PayPal will notify you via email when the refund has been processed and applied.

If the merchant issues a refund in the form of a store credit, gift card, or cash, your remaining loan balance will still be due. This is because PayPal paid the merchant on your behalf when you were approved for a Pay-in-4 loan. Since the merchant refunded you directly, you’ll still owe any remaining balance on the loan.

Installments with Afterpay is a service that allows you to make purchases now and pay for them over time. To learn more, visit www.afterpay.com [ Now Pay Later with Afterpay ]

Simply shop online and add items to your shopping bags and checkout as normal. At the checkout, choose Installments with Afterpay as your payment method. First-time customers will need to register with Afterpay and provide payment details, as usual, returning customers simply log in to make their purchase. It's that easy!

Please note that all items in your shopping bag must be eligible for Installments with Afterpay. A minimum purchase amount may apply and you must meet additional eligibility requirements to qualify.

Installments with Afterpay can only be applied to purchases made on Planners, Notebooks, Journals and Stationery | Erin Condren website.

Payment options depend on purchase amount.

Afterpay is only offered to our customers who have a US billing address, US shipping address, a US credit card, debit card, or bank account, and a US mobile phone number. Customers with international billing addresses, shipping addresses, and/or phone numbers will not be able to set up an account with Afterpay.

For pay-in-4 payments, generally customers are required to make their down payment at the time of purchase, with the remaining three payments deducted every two weeks from your chosen payment method.

For monthly payments, customers may be required to make a down payment at the time of purchase. The remaining payments will be deducted every month from your payment method until all scheduled payments are complete.

For all Afterpay payments, you can log in to your Afterpay account to view your payment schedule and make a payment before the due date if you choose to do so.

Check out the Afterpay Payments FAQ. [ Payments – Afterpay ]

Afterpay orders are delivered pursuant to delivery time frames presented by Erin Condren after you complete your order online.

Yes, transaction value limits apply to purchases made on Planners, Notebooks, Journals and Stationery | Erin Condren using installments by Afterpay.

There are certain items that are restricted from purchase using Afterpay.

Subject to Erin Condren's return and refund policies, if you have changed your mind, you may be able to return your Afterpay purchase for a refund. Please check that your return or exchange meets Erin Condren's Return policy here [ Terms & Conditions | Erin Condren ]. Afterpay will be notified of your return and will process the appropriate refunds. Please do not return your purchase to Afterpay.

If you are fully returning items you purchased using the monthly payments option and a refund is owed, any amounts paid towards the good or service will be refunded; any interest that has already been paid will not be refunded. You may be charged interest for the period of time before your refund is processed.

If you believe there is fault or concern with your Afterpay purchase payment, please contact Afterpay customer support at info@afterpay.com

You will be prevented from using Afterpay and you may be charged a late fee.

Afterpay will be notified once your refund is processed.

If you purchased using pay-in-4, your payment plan will be automatically adjusted to reflect the new total order value starting with the last payment and working backward. In the case where a refund amount is larger than 25% of the total order, Afterpay will eliminate the fourth installment payment and apply the remaining amount to your earlier payments.

If you purchased using monthly payments, interest already paid will not be refunded. Any amounts paid toward the good or service will be adjusted, interest will be recalculated based upon the adjusted amount.

Pay-in-4 purchases are always interest-free.

Monthly payments may include interest. If your installment loan includes interest, you will be able to see the amount you will owe before completing the purchase.

If you would like to know more about Afterpay, visit the Afterpay website www.afterpay.com [Buy Now Pay Later with Afterpay ] for a comprehensive list of FAQs, [Afterpay ] Terms of Service, [Terms ] Pay-in-4 Installment Agreement [Installment Agreement (USA) - Afterpay ], Monthly Payment Loan Agreement [https://www.afterpay.com/en-US/loan-agreement]as well as Afterpay's Privacy Policy [Customer Privacy Policy ].

If you have any questions about your Afterpay account, please contact Afterpay directly via a web form found here [Submit a request – Afterpay ].