Chase Pay In 4℠ FAQs

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.

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.

Chase Pay in 4 is an optional product available to eligible Chase checking customers. There’s no obligation to create a Pay in 4 plan, even if you’re eligible, so there’s no need to opt out.

No application or credit check is required to set up a Chase Pay in 4 plan.

You have a maximum of $400.00 available to split eligible Chase debit card purchases into 4 payments, interest-free. The maximum total amount of $400.00 is set and cannot be changed.

If you have an active Chase Pay in 4 plan and your Chase checking account is closed, and you don’t have other eligible Chase checking accounts, you’ll be directed to add an external checking account to continue making payments on your Pay in 4 plan until your plan is paid in full.

When you get a full or partial merchant refund, the refunded amount is returned to your Chase checking account and your Chase Pay in 4 plan will remain active. You can use the refunded amount to repay your plan or keep making regular payments until your Chase Pay in 4 balance is paid in full.

Keep in mind: Your Pay in 4 plan will remain active until you pay the full balance.

If you don’t recognize the Chase Pay in 4 plan, and you believe you may be a victim of fraud, report it to us directly by contacting customer service at the number on the back of your debit card.

We will report information about Pay in 4 loans to credit bureaus.

Late payments, missed payments or other defaults on your account may be reflected in your credit report. Currently, your Pay in 4 plans and payment history won't affect your credit score, but that may change in the future. Because the calculation of your credit score can vary between credit bureaus, we suggest periodically checking to see how Buy Now, Pay Later (BNPL) data is reflected in your report.

If you think we've reported information incorrectly, you can dispute it with us and/or with the credit reporting agency. Please send us detailed information indicating what you think is inaccurate and why, and include any documentation you have. The dispute notice should include a Pay in 4 loan number, the date the loan was setup and include any supporting documentation to substantiate the dispute, which may include marked-up copies of the credit report specifying the information that is being disputed.

Send it to:

Chase Credit Bureau Disputes

700 Kansas Lane

Attn: Credit Bureau Disputes LA4-6661

Monroe, LA 71203-4774