Chase Pay In 4℠

Chase Pay in 4℠ is a loan product that lets customers split eligible Chase debit card purchases between $50.00 and $400.00 into 4 equal payments. There is no interest, plus no fees when you pay your loan on time (but there's a $5.00 fee for late or missed payments). Look for “Split into 4 payments" next to an eligible purchase.

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

Here’s how:

• From your Chase checking account activity, look for “Split into 4 payments” on eligible debit card purchases between $50.00 and $400.00 made within the last 7 days.
• Choose an eligible purchase to set up a plan.
• Once your plan is created, we'll put the full purchase amount back into your Chase checking account—in most cases, within 24 hours. Your first payment is due 2 weeks after the plan is set up. Then, you'll make payments every 2 weeks until the 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. Also, if you set up a Pay in 4 plan for a purchase that’s pending, you’ll usually see the Pay in 4 deposit post first, then the final purchase amount will post after.

Chase Pay in 4 is a loan product available to eligible Chase checking customers residing in the United States and its Territories. To use Pay in 4, you must:

• Be 18 years of age (19 in AL and NE, 21 in Puerto Rico)
• Be a Chase checking customer for a minimum of 6 months
• Have an active debit card and active Chase Online℠ or Chase Mobile^® app profile

Eligibility and access to Pay in 4 is at Chase’s sole discretion and may change based, in part, on your deposit account activity and balance, as well as your payment history with other Chase products. The following aren’t eligible:

• Chase First Checking℠
• Chase High School Checking℠
• Chase Secure Checking℠
• Chase Business checking accounts
• J.P. Morgan Private Bank customers

Most Chase 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 "Split into 4 payments" on purchase activity in your checking account on the Chase Mobile^® app or chase.com.

Keep in mind: 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 aren’t eligible. Also, if you set up a Pay in 4 plan for a purchase that’s pending, you’ll usually see the Pay in 4 deposit post first, then the final purchase amount will post after.

You can only make payments from eligible Chase accounts. Here are some ways to make a payment:

• During the setup process, automatic payments will already be turned on and the amount due (including any past due amounts or late fees) will be paid on each scheduled due date.
• You can also make a payment from the Chase Pay in 4 dashboard.
• You can also choose to make a payment from 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.

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‘s no interest and your first payment is due 2 weeks after the plan is set up. Plus, no fees if you pay on time.

Keep in mind: 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.