When you need to manage your cash flow, PayPal Pay in 4 lets you split your payment into four instalments over six weeks.

Here's everything you need to know about PayPal Pay in 4.

PayPal Pay in 4 is a buy now, pay later service that divides your purchase into four repayments, spread over six weeks.

You pay the first installment upfront, and the following three payments are automatically deducted from the debit card, credit card or bank account you have linked to your PayPal account every two weeks. If, for example, you were buying an $800 washing machine, you'd pay $200 upfront, followed by three more payments of $200 every two weeks.

PayPal Pay in 4 is available on purchase amounts ranging from $30 to $2,000, subject to eligibility. This means you could purchase anything from a new blender to an oven, fridge or dishwasher. The exact amount you're approved for PayPal Pay in 4 depends on a number of factors including, but not limited to, your previous PayPal payment history and the purchase price.

No - there are no sign-up or ongoing fees to use PayPal Pay in 4. PayPal Pay in 4 is interest-free and does not have any late payment fees.

To pay at Appliances Online using PayPal Pay in 4, you need:

- A PayPal account in good standing

- To be 18 years or older

- To reside in Australia

- A debit card, credit card or bank account linked to your PayPal account

Sign-up for a PayPal account if you don’t have one already, and simply:

1. Select PayPal at Appliances Online checkout

2. Choose PayPal Pay in 4 if it's available for your purchase

3. Agree to the terms and conditions for the PayPal Pay in 4 continuing credit facility

4. Review your payment schedule

5. Complete your purchase

PayPal will conduct a credit assessment for the use of PayPal Pay in 4, this may include a credit check with a credit reporting body. If PayPal conducts a credit check, it will leave an enquiry on your credit file which may affect your credit score and your ability to obtain credit in the future. If you are declined to use PayPal Pay in 4 after a credit check, PayPal will notify you of this.

PayPal sends payment reminders via email and notifications through the PayPal app. You can also view your payment schedule anytime by logging into your PayPal account.

No problem! You can pay off your remaining balance at any time without any fees. You can do this through your PayPal account under the Payments section.

Returns work the same way as regular PayPal purchases. If you return an item, any payments you've made will be refunded according to the store's return policy. Future scheduled payments will be amended or cancelled.

Remember, while PayPal Pay in 4 can make larger purchases more manageable, you should make sure the payment schedule fits your budget. Consider other upcoming expenses and income before committing to the use of PayPal Pay in 4.

To find out more about PayPal’s buy now, pay later service, click here for more information on PayPal Pay in 4. To see PayPal Pay in 4 terms, click here.