Pay in 4

Chase Pay in 4℠ gives customers the opportunity to split eligible debit card purchases between $50.00 and $400.00 into 4 payments. There are no fees to create a Pay in 4 and no interest for the duration of the plan. There’s a $5.00 fee for late or missed payments. You can manage it all from one place on your Chase Mobile^® app or chase.com.

After you set up a Pay in 4 plan, we'll put the full purchase amount back into your Chase checking account — in most cases, within 24 hours. Then, you'll make payments every 2 weeks until the balance is paid in full. Your first payment is due 2 weeks after the plan is set up.

Keep in mind: You’ll have a maximum of $400.00 to use across all active Pay in 4 plans.

If eligible, you'll be able to access Chase Pay in 4 from your account overview or from your checking account activity on your dashboard. Eligible purchases will have a "Split into 4 payments" option.

Simply choose an eligible purchase between $50.00 and $400.00. Then, set up your plan in 3 easy steps. Once your plan is created, you'll make your first payment 2 weeks later, and then every 2 weeks after that until your balance is paid in full.

Keep in mind: You’ll have a maximum of $400.00 to use across all active Pay in 4 plans.

Chase Pay in 4 is a loan product available to eligible Chase checking customers in the United States and its Territories. You must be 18 years of age (19 in AL and NE, 21 in Puerto Rico) and a Chase checking customer for a minimum of 6 months. Eligibility and access to Chase Pay in 4 is at Chase's sole discretion and is based, in part, on your deposit account activity and balance, as well as your payment history with other Chase products. Chase First Checking℠, Chase High School Checking℠, Chase Secure Checking℠ and Chase Business checking accounts are not eligible. J.P. Morgan Private Bank customers are not eligible. An active debit card and an active Chase Online℠ or Chase Mobile^® app profile is required.

Most debit card purchases between $50.00 and $400.00 made within the last 7 days are eligible for Chase Pay in 4. Eligible debit card purchases have a "Split into 4 payments" option in your checking account purchase activity on the Chase Mobile^® app or chase.com. In some cases, processing times may affect when purchases are eligible for Pay in 4. Certain debit card purchases, such as cash-like purchases and buy now, pay later payments to other providers are not eligible.

You can only make payments from eligible Chase accounts. If you set up automatic payments, the amount due, including any past due amounts or late fees, is automatically withdrawn from your chosen Chase account on each scheduled due date.

You can make a payment from the Chase Pay in 4 dashboard or you can choose to make a payment from your plan details. Your payment schedule can be found with your plan details.

You can make early or partial payments at any time. Make sure your full current amount due is paid by the due date to avoid late fees and loss of access to set up a new Pay in 4 plan.

Keep in mind: Your payments are made in real-time, so they can't be changed or canceled once submitted. Payments must be received by 11:59 PM ET to be applied the same day.

After you set up a Pay in 4 plan, we'll put the full purchase amount back into your Chase checking account — in most cases, within 24 hours.

There are no fees to create a Chase Pay in 4 and no interest for the duration of the plan. There's a $5.00 late fee for late or missed payments. You can manage it all from one place on your Chase Mobile^® app or chase.com.