What's a Pay in 4 plan? January 09, 2020 19:42 Updated This pay later solution allows you to break up the cost of your purchase into 4 equal bi-weekly payments. All you'll need is a credit card. No interest, no fees, no credit check! Related articles Does PayBright charge any interest or fees? Will there be a credit check for a Pay in 4 transaction? How can I Pre-qualify? How long do I have to pay off my loan? Why couldn't you verify my identity?