The only option i get is for paypal credit,but no Pay in 4. I contacted customer support and absolutely no one has been able to help,they just tell me the system does it on its own and to wait 24 hours, It's been days and still nothing. My guess is that due to me trying several times like I was told and getting denied they flagged it as unusual activity. Thank you for your interest in PayPal Pay in 4.) OK so i wait 24 hrs and try again, well eventually i got a denied again and to make things worse i got this messageĪpplication information tied to unusual activity. So i contact someone on customer service and they tell me to just keep trying and it should eventually let me since the system had to process my final payment. I had until the 15th of this month to pay it off and I paid the remaining amount on the 9th. Total Balances On your outstanding Pay in 4 loans is too high.) (We regret that we are unable to approve your request at this time for the following reason: Well when i tried it I got this response with my denial Our Customer Service team can’t see your decline explanation reason(s) and cannot review loan applications.So i recently did a paypal pay in 4 transaction & finished paying it ahead of time so I figured I would do it again on a second purchase since it was showing up on my payment option. We will send you a message in the PayPal Message Center explaining why your application wasn’t approved at this time. If your application gets declined, you can still use PayPal to check out securely with other payment methods in your wallet. If for some reason the items in your cart are not eligible for Pay in 4, the offer will not be available. Keep in mind, not all goods and services are eligible. The Pay in 4 checkout option will be displayed if the option is available for the specific merchant as well as the transaction amount and type. Why could I use Pay Later before but can’t with the same merchant now? Pay in 4 eligibility will vary by merchant and individual shopping experience. Currency conversion charges will apply and can be found in the PayPal User Agreement. For transactions not in USD, PayPal will automatically convert the transaction amount to USD at checkout before providing you with your Pay in 4 plan. Transactions can be made in all currencies that PayPal supports, not just USD. Pay in 4 is available to use at select merchants where PayPal is accepted. The down payment will be due at the time of the transaction and 3 subsequent repayments will be taken every 15 days thereafter. Your Pay in 4 loan will last a little over 6 weeks in total. However, if your repayment is returned because of non-sufficient funds or for another reason, your financial institution may charge you an NSF or other fee. PayPal does not charge any sign-up, application, late, or NSF fees when you pay with Pay in 4. Once your plan starts, we will send you an email containing important information about your Pay in 4 loan, including how to locate your loan agreement.Īre there any fees associated with Pay in 4? You will also have the option to download the loan agreement. Try it again later or for a different transaction. If is is not available for use, it’s not. You will see the link to the loan agreement when you choose to apply for Pay in 4 at checkout. PayPal uses a system of checks to determine if PayPal Credit, Pay in 4, or even Pay After Delivery is available for use or not on a transaction similar to how credit cards can decline a charge or not. consumers to split purchases into smaller payments over a longer period of time. and Pay in 4 in the United States we cannot say, but it does allow U.S. If you are located in the United States, the equivalent offering is PayPal Pay in 4. You must read the loan agreement for your Pay in 4 loan before you submit your application. PayPal’s Pay in 3 financing service is available to buyers in the U.K. Offer availability depends on the merchant and may not be available for certain recurring subscription services.Īre there terms and conditions for my Pay in 4 loan? Pay in 4 is not available for certain merchants and goods. You must also have a PayPal account in good standing or open a PayPal account to apply. Availability depends on your state of residence, and you must be at least 18 years of age (or the age of majority in your state) to apply. Upon applying, you'll receive a decision within seconds, although not every application will be approved. Pay in 4 will appear as a payment method for eligible shopping cart values between $30 to $1,500 when you check out with PayPal. Pay in 4 is an interest-free installment loan that lets you split your purchase into 4 repayments, with the down payment due at the time of the transaction and 3 subsequent repayments made every 15 days thereafter.
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