Lighter payments

Pay in 4 — four payments over three months

Prefer each payment smaller? Pay in 4 spreads the order across three months. A small service fee is added to the first installment only, shown at checkout before you confirm.

Apply Now Compare with Pay in 3

Payments

3 months

To clear

First only

Where the fee sits

Refunded

If you return

Example on a $400 order$400

Today · includes service fee$100 + fee

Month 1 · no added fee$100.00

Month 2 · no added fee$100.00

Month 3 · no added fee$100.00

Where the fee applies

First payment only

SHOWN AT CHECKOUT

The fee, plainly

One fee, on one payment, shown upfront

We would rather explain it than bury it. Pay in 4 is the only plan of ours that adds anything, and it adds it once.

It sits on the first installment only. Payments two, three and four carry no added cost at all.
It is calculated on your order total and displayed at checkout before you confirm, not estimated afterwards.
Return the whole order and the fee comes back along with everything else you have paid. How refunds work →
If you would rather pay nothing extra, Pay in 3 has no fee at all — the trade is a larger payment today.

Compare Pay in 3 and Pay in 4 →

$400 order, two plans$400

Pay in 3$133.33 × 3

Pay in 4$100.00 × 4

Pay in 3 added$0.00

Pay in 4 addedSmall fee

The fee is calculated on your order total and appears at checkout. Bar widths are illustrative, not to scale.

Worth knowing

Six things about Pay in 4

The details that decide whether it is the right choice for a particular basket.

Availability depends on your profile

Not every account sees Pay in 4. If you qualify it appears next to Pay in 3 at checkout.

The schedule is monthly

One charge per month for four months, not fortnightly. Easier to line up with a monthly salary.

It uses the same limit

Pay in 4 draws on the same available amount as any other plan. How limits work →

No hard credit check

Applying leaves no inquiry on your credit file. How approval works →

Early repayment is free

Pay ahead whenever you like and your limit frees up immediately.

Late fees still apply

Capped, and you can reschedule before a due date. What happens →

Questions

Pay in 4 FAQ

What people ask about the fee and the schedule.

How does Pay in 4 work?+

Your order is split into four equal payments spread over three months. The first is taken at checkout and includes a small service fee; the other three carry no added cost.

How much is the Pay in 4 service fee?+

It is calculated on your order total and shown at checkout before you confirm, so you always see the exact amount before agreeing to anything.

Why does Pay in 4 have a fee when Pay in 3 does not?+

A longer plan with smaller payments costs more to fund and carries more risk over time. Pay in 3 clears in two months; Pay in 4 takes three.

Is the fee refunded if I return the order?+

Yes. If you return the whole order, the service fee comes back with the rest of your payment.

Why can I not see Pay in 4 at checkout?+

Availability depends on your account profile. If you qualify you will see it alongside Pay in 3 at the payment step.

Does Pay in 4 affect my credit score?+

There is no traditional hard credit check, so applying leaves no inquiry on your file. Short installment plans are generally not reported to the bureaus.