![]() 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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