Home › Borrow › Buy now, pay later apps › Afterpay vs PayPal Pay in 4
Both let you split purchases. Here's how Afterpay and PayPal Pay in 4 compare on late fees, interest and credit reporting.
| Afterpay | PayPal Pay in 4 | |
|---|---|---|
| Late fee | Late fees apply (amount not found on page) | not found |
| Interest | Pay in 4: no interest; longer plans may show an APR (Afterpay's example: 36%) | not found |
| Credit check | not found | Applying doesn't affect your credit score (per PayPal) |
| Credit reporting | not found | not found |
Sources: Afterpay page (checked 2026-10-12) · PayPal Pay in 4 page (checked 2026-10-12)
More on Afterpay · More on PayPal Pay in 4 · All buy now, pay later apps
Late fee: Afterpay Late fees apply (amount not found on page), PayPal Pay in 4 not found; Interest: Afterpay Pay in 4: no interest; longer plans may show an APR (Afterpay's example: 36%), PayPal Pay in 4 not found; Credit check: Afterpay not found, PayPal Pay in 4 Applying doesn't affect your credit score (per PayPal); Credit reporting: Afterpay not found, PayPal Pay in 4 not found.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.