Pay in 4 is available to consumers upon approval for purchases of $30 to $1,500. Pay in 4 is currently not available to residents of MO, NV, or NM. Offer availability depends on the merchant and also may not be available for certain recurring, subscription services. When applying, a soft credit check may be needed, but will not affect your credit score. You must be of legal age in your U.S. state of residence to use Pay in 4. PayPal, Inc.: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee.