Buy now, pay later for jewelry

PayPal’s Pay Later options let you purchase those statement jewelry pieces today but split the cost into affordable payments spread over weeks or months. Get access to the investment necklaces, rings and bracelets you love—without needing to fund the full cost upfront.

Jewelry can be expensive and if you’re on a budget it’s sometimes hard to pay for a piece in one hit. PayPal Pay Later options let you spread the cost into affordable payments. It’s a great way to buy personalized gifts for friends and family or own your favorite gold and silver jewelry. You can also enjoy cashback rewards with PayPal and earn money as you shop popular brands.

Thousands of online jewelry stores accept PayPal at checkout. To check out with a PayPal Pay Later option , simply choose the items you want to buy, go to checkout and select PayPal when it’s time to pay. You’ll be taken to your account where you can choose the PayPal Pay Later payment method that suits you. Either opt in for Pay In 4 or Pay Monthly. Get a decision in seconds.

There are thousands of stores online that accept PayPal Pay in 4 and PayPal Monthly. Shop around, find the store that sells what you want, and look for the PayPal logo.

No, PayPal Pay Later options are only available at checkout when shopping online. Feel free to use another PayPal payment option available in store, such as Show to Pay with your QR code. Ask a salesperson before you buy to make sure they offer the PayPal option that suits you.

When applying for PayPal Pay in 4 and Pay Monthly for online shopping, a soft credit check may be needed but will not affect your credit score. You must be 18 years old or older when applying for Pay in 4 or Pay Monthly.

Using buy now, pay later options, such as PayPal's Pay Later offerings, does not affect your ability to get a refund. If you return items purchased with PayPal's service, you can still receive a full refund for your items, just like you would with any other payment method. The refund will be processed according to the retailer's return policy, and your PayPal account will be updated accordingly.

If you don't receive your order, or it shows up significantly different than described, you may be eligible for a refund under PayPal’s Purchase Protection Program.⁴ Purchase Protection covers eligible items, including jewelry purchases, paid for with PayPal. Terms and limitations apply. Visit the PayPal Help Center to find out more about purchase protection and refunds.

There are no sign-up fees or interest with PayPal Pay in 4. The interest rate you get when you apply for PayPal Pay Monthly will vary depending on your credit history and account transaction history.