PayPal Pay in 4

PayPal Pay in 4 · Interest-Free

Split your order into 4. Interest-free.

Furnish now and spread the cost over six weeks with PayPal Pay in 4. Pay the first instalment at checkout, then three more automatically every fortnight — no interest, no late fees, no sign-up fees. Available on eligible online orders under $2,000. Just choose PayPal at the checkout and select Pay in 4. Backed by PayPal’s Buyer Protection on every A2Z order.

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0% InterestAlways interest-free
No Late FeesOr sign-up fees
4 PaymentsSpread over 6 weeks
Buyer ProtectionBacked by PayPal
Four simple steps

How Pay in 4 works

Pay in 4 lives inside the PayPal checkout you already know. There’s no separate app to download before you buy — just pick it at checkout and PayPal handles the rest.

1

Shop & check out

Add your furniture to the cart and choose PayPal as your payment method at checkout.

2

Select Pay in 4

If your order is eligible, choose Pay in 4 in the PayPal window and review your four payment dates.

3

Pay the first 25%

Your first instalment is taken at checkout. Your order is confirmed and on its way.

4

Then 3 more, fortnightly

The remaining three payments come out automatically every two weeks. Track or pay early in the PayPal app.

Before you choose it

Is your order eligible?

PayPal decides eligibility for each purchase at checkout. As a guide, Pay in 4 fits orders that meet these conditions:

Under $2,000

Available on eligible orders below AU$2,000 (typically from around $30).

Online orders

Pay in 4 works online at thea2zfurniture.com. It isn’t available in our showrooms.

PayPal account

You’ll need a PayPal account in good standing, plus a linked card or bank account.

Subject to approval

Each purchase is assessed by PayPal. Some categories and customers won’t qualify.

No surprises

What it costs you

The whole point of Pay in 4 is timing, not extra cost. You pay the same price as everyone else — just across four instalments.

$0
InterestAlways 0%
$0
Late feesNone charged
$0
Sign-up feesFree to use
$0
To pay earlySettle anytime

Pay in 4 is a credit product. Choosing it means applying for a continuing credit contract with PayPal, which is subject to a suitability check. Applying for and using Pay in 4 may affect your credit score, and PayPal may share information with a credit reporting body. Please borrow responsibly — see the full terms below.

Good to know

PayPal Pay in 4 FAQs

What is PayPal Pay in 4?
Pay in 4 is PayPal’s buy-now-pay-later option. It lets you divide an eligible purchase into four interest-free payments — one at checkout and three more, one every fortnight — so the full amount is paid over about six weeks.
How are the repayments split?
Your order is divided into four equal instalments. The first comes out when you check out; the remaining three are taken automatically every two weeks from your linked card or bank account. PayPal confirms your exact dates and amounts at checkout — the example above is a $1,200 order shown as 4 payments of $300.
Is there any interest or fees?
No. Pay in 4 charges no interest, no late fees and no sign-up fees. If you buy in a currency other than AUD, standard PayPal currency-conversion charges may apply per your PayPal User Agreement.
What orders can I use it on?
Pay in 4 is offered on eligible online orders under AU$2,000. PayPal checks eligibility on each purchase, so it won’t appear for every order — for example if the amount is too high, your account isn’t in good standing, or the item sits in a restricted category. For orders of $2,000 or more, you can use Afterpay, Zip, Humm or Latitude at checkout instead.
Do I need a PayPal account?
Yes. You’ll need a PayPal account in good standing with a linked card or bank account. The first time you choose Pay in 4 you’ll be asked to accept the Pay in 4 Facility Agreement, which then governs future Pay in 4 purchases.
Will using Pay in 4 affect my credit?
It can. In Australia, Pay in 4 is a regulated continuing credit contract provided by PayPal Credit Pty Limited. Applying for and using it may affect your credit score, and PayPal may disclose information to a credit reporting body. Please consider the PayPal Credit Guide (linked below) before you apply.
Can I pay it off early?
Yes — you can repay the full balance at any time through the PayPal app or website, with no early-repayment fees or penalties.
Can I use Pay in 4 in your showrooms?
No. Pay in 4 is online only. If you’re shopping in person at one of our five Queensland showrooms, you can still pay over time with Afterpay, Zip, Humm or Latitude. Find your nearest showroom →
What if I can’t make a payment?
If you think you’ll miss a repayment, contact PayPal before the due date on +61 2 8223 9500 to discuss your options. You can also seek free, independent advice from the National Debt Helpline or Financial Counselling Australia.
Ready when you are

Furnish now, pay over six weeks

Browse the range, add to cart, and choose PayPal Pay in 4 at checkout. Prefer to see it in person first? Visit any of our five showrooms across Brisbane, Ipswich and the Gold Coast.

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Popular to spread the cost

About PayPal Pay in 4. PayPal Pay in 4 is a continuing credit contract provided by PayPal Credit Pty Limited (ABN 66 600 629 258), Australian Credit Licence Number 568848, to Australian residents. It is subject to eligibility criteria, a credit application and a suitability assessment. Pay in 4 is available on eligible transactions under AU$2,000, and application and use may affect your credit score. Please read and consider the PayPal Credit Guide before entering into the PayPal Pay in 4 Facility Agreement. See the PayPal Pay in 4 terms for full details. PayPal may disclose your personal information to a credit reporting body.

Buyer Protection is available on eligible purchases; terms and limitations apply. The A2Z Furniture is not the credit provider, is not party to your Pay in 4 agreement, and does not charge any additional fee for offering Pay in 4. All approvals, instalment dates and amounts are determined by PayPal. The repayment figures and dates shown on this page are illustrative only — your actual plan is confirmed by PayPal at checkout. This information is general only and does not take into account your objectives, financial situation or needs. Learn more at paypal.com.au.