![]() If you're making a pricier purchase, like a roundtrip plane ticket somewhere exotic or a fancy new bed, PayPal Credit is likely a better option. If you don't receive your item or it shows up not as advertised, PayPal will refund the full purchase price and shipping costs in most cases - though terms and conditions still apply. You'll enjoy the safety features of PayPal, which includes 24/7 monitoring of transactions, secure storing of your payment information and encryption to protect you while you're making purchases. PayPal does not disclose how much those fees will cost, and it can even vary from state to state. There are no interest rates when you use Pay in 4, though you could be charged a late fee if you miss a payment. What are PayPal Pay in 4's interest rates? It's worth noting that Splitit and Afterpay don't perform a credit check, while Klarna and Affirm do. He added that "Pay in 4" stands out from other buy now, pay later plans because "a lot of consumers want to avoid paying credit card interest and want to borrow money without a credit check." The new feature may selectively perform soft credit checks, but those won't affect your credit score, according to MarketWatch's interview with Doug Bland, vice president of global credit. Will my credit score be affected with Pay in 4?
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