Get Flexible Payments Options with PayPal


Buy what you love now. Pay Later.

At Woodambitious, time and flexibility are on your side.
Get what you want from Woodambitious and comfortably split your payments over weeks or even months.

Pay at a pace that works for you


Your Guide to PayPal Pay Later

Compare Pay Later products

  • Purchase Amount
  • Number of Payments
  • Time between payments
  • APR
  • Repayment method
  • Purchase Protection3
  • Sign-up and late fees
  • $30 to $1,500
  • 4 interest-free payments
  • Bi-weekly (1 down  & 3 payments)
  • 0%
  • Debit card, credit card
  • Included
  • None
  • $199 to $10,000
  • 6, 12, or 24 payments
  • Monthly
  • 9.99% to 29.99%
  • Debit card or confirmed bank account
  • Included
  • None

Frequently asked questions

Pay in 4

Installment payments give you the flexibility to pay for your purchases over time. When you choose Pay Later, you can choose a payment schedule that works for you through Pay in 4 or Pay Monthly.

Pay in 4 is a feature that lets you split your purchase into 4 payments, with the down payment due at the time of transaction and 3 subsequent payments made every 2 weeks thereafter.

We are offering Pay in 4 to a growing number of our customers. 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. You must also have a PayPal account in good standing or open a PayPal account in order to apply. Pay in 4 is not available for certain merchants and goods. If you choose Pay in 4 as your payment method when you check out with PayPal, you will be taken through the application process. You will get a decision instantly but not everyone will be approved based on our internal checks.

Just choose to pay with PayPal when you shop online and if it is an eligible transaction, you will see Pay in 4 as one of the available payment methods. Simply apply for a Pay in 4 plan in just a few steps, get an instant decision, and finish checking out.

You can use Pay in 4 for eligible shopping cart values between $30 to $1,500.

You must read the loan agreement of your Pay in 4 plan before you submit your application. You will see the link to the loan agreement when you choose to apply for Pay in 4 at checkout. You will also have the option to download the loan agreement. Once your plan starts, we will send you an email containing important information about your Pay in 4 plan, including how to locate your loan agreement.

There are no fees for choosing to pay with Pay in 4.

Pay in 4 is available to use at selected merchants where PayPal is accepted. Transactions can be made in all currencies that PayPal supports, not just USD. 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. Currency conversion charges will apply as set out in your PayPal User Agreement. This preapproval is not a guarantee of approval. For privacy reasons, only you can see why your application was declined, but please check your message center for more details.

Proprietary data and credit bureau data may be used to determine a customer’s creditworthiness. For Pay in 4, some consumers may require a soft credit check that does not impact their credit scores. Pay Monthly is subject to consumer credit approval.

Pay Monthly

Pay Monthly is a way for PayPal customers to spread the cost of their eligible purchases between $199 – $10,000 USD into equal monthly payments over a specific term. It’s offered to eligible customers during the online checkout experience. Pay Monthly is an interest-bearing installment loan issued by PayPal’s bank partner, WebBank, with APRs ranging from 9.99% – to 29.99% based on the customer’s creditworthiness. Lower APRs may be offered as a promotion from time to time and are subject to the eligibility and terms of the offers when made. New and existing PayPal customers can take advantage of Pay Monthly (eligibility varies by user, state, merchant, etc.).

If you have a PayPal account, it will simply show on your shopping cart once you choose a PayPal Later, if you don’t have a Paypal account yet, you’ll need to create a PayPal account and complete the Pay Monthly installment loan application by entering your personal information, including your US residential address, the last 4 digits of your Social Security Number (SSN), or Individual Tax Identification Number (ITIN), date of birth, annual gross income, and phone number/ type.

This information is used to validate who is applying for the installment loan and ensure that eligibility rules are met.

No, however, late or missed payments may be reported to the credit bureaus and you may be charged a returned payment, NSF, or other fee by your financial institution if the payment fails.

You’ll need to consent to have your credit report pulled. The credit report inquiry and tradeline for the Pay Monthly installment loan (if approved) displays on your credit file as WB/PayPal or WebBank/PayPal PayMonthly, depending on the credit reporting agency.

If you have a freeze or lock on your credit report, you’ll need to have it temporarily lifted before we can process your application. We work with Equifax, the credit reporting agency. Make sure you lift your freeze or lock with Equifax before submitting your Pay Monthly application. You can do this online or over the phone using the contact information below: Equifax: (800) 349-9960 When you lift your freeze or lock it online or by phone, it usually takes effect quickly, sometimes within minutes. However, to be on the safe side, you should wait about an hour before applying for a Pay Monthly installment loan. When you lift your freeze or lock by mail, it can take a few days for the lift to take effect. These lifts are also available temporarily or permanently. If you opt to lift it temporarily, you may need to go through the process again the next time you apply for a PayPal Monthly installment loan.

When applications are reviewed, several factors are considered including, but not limited to, the information you provide in your application, your credit score, your transaction history with PayPal, and how long you’ve had a PayPal account. Interest rate and loan eligibility criteria are subject to change based on various factors. If your Pay Monthly application can’t be approved, you can still use PayPal to check out securely with other payment methods in your Wallet. Please look for the details on the application decision in a secure message on your PayPal account message center. Our Customer Service team can’t see your decline explanation and can’t review loan applications.

You can make payments online, by phone, by mail, or on the PayPal app. Online. Log into PayPal then click PayPal Credit. We’ll transfer you to the Synchrony Bank site where you can make a one-time payment or set up automatic payments. Phone. Call Synchrony Bank at 844-373-4961, Mon-Fri 8am-11pm ET, and Sat-Sun 9am-9pm ET. Mail. Use the payment address on your billing statement. PayPal App. Tap PayPal Credit then tap Make a Payment and choose how much you want to pay. Choose your payment method, the payment date, and tap Pay. You can pay your PayPal Credit balance from your balance with PayPal or your bank account.

Synchrony Bank determines the credit limit on your PayPal Credit account. To check the limit from your account, go to your Summary page and click PayPal Credit. If you have any question about PayPal Credit, please contact Synchrony Bank at 844-373-4961, Mon-Fri 8am-11pm ET, and Sat-Sun 9am-9pm ET.

Synchrony Bank provides PayPal Credit support at 844-373-4961, Mon-Fri 8am-11pm ET, and Sat-Sun 9am-9pm ET. We encourage you to log in to your account and use our online servicing tools to: Review your balance or recent purchases Request a credit line increase Make a payment or adjust your auto-payment Complete other account service requests Chat with Synchrony’s virtual assistant, Sydney

Pay Monthly is available to eligible PayPal customers online at Woodambitious where PayPal is accepted and is subject to consumer credit approval. 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. You must also have a PayPal account in good standing or open a PayPal account to apply.

A Pay Monthly installment loan is a loan that can be used only for a single purchase transaction. Each time a consumer wishes to use Pay Monthly to finance a transaction, they must apply for a new Pay Monthly installment loan.

You’ll be taken through the application process if you choose it as your payment method when you check out. You’ll receive a decision within seconds, but not every application is approved based on our internal and external checks

You can see them in the PayPal App by clicking Pay Later. There you can view the balance, payment schedule, and transaction details. You can also make payments, set up autopay, change your payment method used for payments, etc. To view your details on your desktop, click Pay Later under the “Wallet” section.

When your PayPal Pay Monthly loan is approved and used, it may be reported to the credit reporting agencies within 30-60 days of the loan date. Your payment history and loan status, including if payments are missed or delinquent, may be reported.

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    1Pay in 4 is available to consumers upon approval for purchases of $30 – $1500. Pay in 4 is currently not available to residents of MO, NV, or NM. PayPal, Inc.: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee. When applying, a soft credit check may be needed, but will not affect your credit score. You must be of legal age in your U.S. state of residence to use Pay in 4. Offer availability depends on the merchant and also may not be available for certain recurring, subscription services.
    2Pay Monthly is subject to consumer credit approval. APR is 0% to 29.99% based on your credit. 0% APR is available to qualified consumers with excellent credit on applications received before 1/5/23. Terms may vary based on purchase amount. For example, a $600 purchase can be paid at 18% APR in 6 monthly payments ($105.34/mo.; $32.02 interest; $632.02 total of payments), 12 monthly payments ($55.02/mo.; $60.20 interest; $660.20 total of payments), or 24 monthly payments ($29.96/mo.; $119.07 interest; $719.07 total of payments). Payments may change based on shipping, taxes, updates to your purchase, or missed payments. Offer availability depends on the merchant and may not be available for subscriptions or recurring payments. Pay Monthly is currently not available to residents of AK, CO, HI, MA, NE, NV, NY, or TX. You must be of legal age in your U.S. state of residence. Missed payments may have an impact on your credit score. The lender for Pay Monthly is WebBank. PayPal, Inc. (NMLS #910457): CT Small Loan Licensee. RI Loan Broker Licensee. VT Loan Solicitation Licensee. VT residents: THIS IS A LOAN SOLICITATION ONLY. PAYPAL, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.
    3Available on eligible purchases. Limits apply. See PayPal Purchase Protection terms and conditions.