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PayPal Pay Later is the instalment credit built into PayPal Holdings' checkout, offered at eligible merchants alongside the normal PayPal button. In the US, Pay in 4 splits $10-$2,000 into four interest-free payments over six weeks, lent by PayPal, Inc. with no late fees, while Pay Monthly spreads $49-$10,000 over 3-24 months at 0-35.99% APR, lent by WebBank. UK shoppers get Pay in 3: three interest-free monthly payments on GBP 20-3,000 under a credit agreement, with eligibility checks that do not affect their credit score. PayPal said it processed more than $33 billion of BNPL payment volume globally in 2024.
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