Buy now, pay later with PayPal
Enjoy now. Pay later.
Time, flexibility, and security are on your side. Buy what you like and break the payments up over weeks or even months.
Flexibility to pay the way that works for you
Pay over time
Divide your purchase into interest-free installments with the power of Pay in 41 or Pay Monthly2.
Widely available
Shop at XOTIC PC, and enjoy the peace of mind to pay later.
Easy on your credit score
Choose Pay in 41 and relax knowing it won't impact your credit score.
Buying with protection
Enjoy Purchase and Fraud Protection on eligible purchases.3
How Pay Later works
Pay in 4
One payment down, 3 more to go. Split purchases between $30-$1500 into 4 interest-free, bi-weekly payments without the stress of late fees.1
- For smaller purchases
- 4 payments over 6 weeks
- No late fees; interest-free
Pay Monthly
Buy bigger, breathe easier. Enjoy the flexibility of 6,12, or 24-month payment plans, $0 down, and no sign-up or late fees.2
- For larger purchases
- Monthly installments
- No late fees
Pay in 41
Pay Monthly2
Purchase Amount
$30 to $1500
$199 to $10,000
Number of payments
4 interest-free payments
6, 12, or 24 payments
Time between payments
Bi-weekly (1 down payment & 3 payments)
Monthly
APR
0%
9.99-35.99%. Rates as low as 4.99% from time to time.
Repayment method
Debit card, credit card, or confirmed bank account
Debit card or confirmed bank account
Purchase Protection3
Included
Included
Late fees
None
None
Sign-up Fees
None
None
Autopay available
Automatically enrolled at time of purchase
Optionally enroll in autopay at time of purchase or any time after
Soft credit check may be needed but will not affect your credit score.
Buy what you love now. Pay later.
Choose PayPal at checkout
Then select Pay Later before picking a payment option.
Choose PayPal at checkout
Then select Pay Later before picking a payment option.
Make the remaining payments
Do it securely in the app or online with the ease of autopay.
Frequently asked questions
Why use buy now, pay later?
Will you pull my credit when applying for PayPal Pay Later?
Does Pay in 4 or Pay Monthly charge interest and fees?
Can I pay early with monthly payments?
Buy now, pay later
Also known as pay over time, Bread Pay™ is an easy way to buy the things you want now, while paying in installments that work with your monthly budget.
NO PREPAYMENT PENALTIES
Pay for your purchase with monthly payments and prepay at any time without penalty.
AFFORDABLE MONTHLY PLANS
Pay for your order over 3, 12, 24, or 36 months at competitive rates*.
QUICK AND EASY APPLICATION
Get a decision in seconds with no obligation to buy. Checking your rate won’t affect your credit score.
Why pay over time?
Know you can afford what you need when you need it
Simple & fast application
Get a decison in real time.
Not a Credit Card
Know what you owe with set payments
Automatic payments
Never miss a payment by enrolling in Autopay.
Straightforward pricing
No prepayment penatlties. No deferred interest.
Financing made easy
Step 1
Shop online at XOTIC PC
Add items to your cart. Choose Bread Pay™ and get a real-time decision without affecting your credit score.
Step 2
Select your plan
Pick the option that works for your budget.
Step 2
Complete your purchase
Get your items now and pay over time in monthly installments of four easy payments.
*Subject to approval of credit application. Rates range from 5.99% to 29.99% APR, resulting in, for example, 24 monthly payments of $46.14 at 9.99% APR, per $1,000 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread® pay-over-time plans are loans made by Comenity Capital Bank.
