WatchBuys and PayPal are pleased to offer three ways to enjoy your purchases now and pay later.
Purchases of $30 to $1,500 Split your purchase into four interest free, bi-weekly payments with no signup or late fees. When applying for PayPal Pay in 4, there is no hard credit pull and no impact to your credit report or score.
PayPal also frequently offers point promotions using this payment option - check the link below for the latest offers.
To pay in four payments, add your purchases to your WatchBuys shopping cart and when checking out select
PayPal as your payment method.


Purchases of $49 to $10,000 Split your purchase into 3, 6, 12, or 24 monthly payment periods with no hard credit pull and no impact to your credit report or score.
Although there are no signup or late fees, interest accrues at an APR of 9.99% to 35.99% as determined by PayPal on that specific purchase.
To pay in monthly payments, add your purchases to your WatchBuys shopping cart and when checking out select
PayPal as your payment method.
Six Months No Interest or Fees on Purchases 149+
With PayPal Credit, enjoy special financing on purchases of $149+ when checking out with PayPal - pay over six months with no interest or fees.
Please note that minimum monthly payments are required.
When applying for PayPal Credit, PayPal may use a hard credit pull to determine your credit line and may at their discretion issue a digital credit line or a physical credit card.
What is the difference between the PayPal Credit Card and the PayPal Credit digital line?
The PayPal Credit Card is a travel companion and so much more. Use it to pay over time on all qualifying travel purchases posted to your account by September 30, 2026, plus use it wherever Mastercard® is accepted.
When you check out with PayPal, use the PayPal Credit Card to unlock special financing on all purchases of $149 or more.
If you aren’t approved for the PayPal Credit Card, you might still get a PayPal Credit digital line. This is a reusable, digital line of credit, with the same special financing offer when you check out with PayPal on purchases of $149 or more.
To take advantage of this option, add your purchases to your WatchBuys shopping cart and when checking out select
PayPal as your payment method.