Life can get busy and sometimes paying bills on time slips through the cracks. Late fees add up fast, not to mention the stress of getting past due notices. However, there are now convenient ways you can pay bills later over the phone through services like PayPal Credit and Willow. These bill pay options let you handle payments on your schedule and avoid late fees.
Overview of Paying Bills Later by Phone
Services like PayPal Credit and Willow make it simple to pay bills at a later date over the phone Here’s a quick rundown
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PayPal Credit – Provides a reusable line of credit to use for purchases now and pay back over time. Can be used online or via app
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Willow – Covers bill payments for you now in exchange for 4 interest-free installments over a month, Access via app
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Both offer phone support if you need help using the services.
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No late fees, interest, or impact to credit unless payments are missed.
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Fast approval process that only requires basic eligibility information.
Paying bills late can really take a toll financially and mentally. The ability to pay bills later over the phone with PayPal Credit or Willow is a great convenience.
How PayPal Credit Allows You to Pay Bills By Phone Later
PayPal Credit gives you an instant line of credit that can be used anywhere PayPal is accepted, including thousands of online merchants. Here’s how it works for paying bills later by phone:
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Apply Online – Complete a quick application online or via the PayPal app. Requires basic personal and eligibility information.
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Get Approved: If you’re approved, you’ll get a PayPal Credit account right away in your PayPal wallet.
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Make Purchases – Use your line of credit to make purchases online or via app up to your limit.
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Pay Over Time – Instead of paying in full right away, pay back the balance over several statement periods.
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Call Support – If any questions come up, call 1-844-373-4961 for customer support.
The key benefit of using PayPal Credit to pay bills later is that the credit line is reusable. So you can continually use it to pay bills now and pay back the balance later over time.
How Willow Enables Paying Bills By Phone Later
Willow also makes it easy to pay bills late over the phone. Here is an overview:
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Sign Up Via App – Create a free Willow account by downloading the app and entering some basic information.
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Upload Bill – Use the app to snap a photo of the bill you want to pay later and upload it.
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Get Approval – Willow approves qualified bills within 1 business day.
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Willow Pays Bill – If approved, Willow pays the bill directly for you by the due date.
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Pay Willow Back – You repay Willow in 4 interest-free weekly installments.
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Call With Issues – Contact support at 1-800-876-9876 if any problems come up.
Willow essentially fronts the bill payment for you in exchange for a structured repayment plan. This helps avoid late payments completely.
Tips for Paying Bills Later Over the Phone
Here are some tips to get the most out of paying bills by phone later using services like PayPal Credit and Willow:
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Only sign up for an amount you know you can pay back later based on your budget.
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Take advantage of autopay features so you don’t miss repayment dates.
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Check statements and accounts regularly to ensure proper bill payment.
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Contact support immediately if you foresee issues repaying on time. They may offer alternatives.
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Pay back balances as soon as possible to free up credit for future bill payments.
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Review all terms and conditions carefully so you understand relevant policies.
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Download account alerts to get notifications for important updates or issues.
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Avoid racking up fees and interest by sticking to repayment schedules.
Paying bills late can seriously damage your finances and credit score over time. Services like PayPal Credit and Willow make it simple and convenient to pay bills later over the phone responsibly. This helps you avoid late fees while building your credit history. Just be sure to only sign up for bill pay later options you can genuinely afford to repay on time. Stay on top of account activity and statements. And don’t hesitate to contact customer support if any questions arise. With some diligence, paying bills by phone later can provide much-needed flexibility and convenience.
Your own always-on credit line
If approved, PayPal Credit will be instantly added to your PayPal Wallet. Use it to shop at millions of stores online.
Six months special financing isn’t an intro offer, it’s an everyday benefit. Plus, Purchase Protection applies to all eligible purchases with PayPal, not just purchases of $99+. See details
PayPal Credit’s reusable, digital credit line comes with the added benefit of no annual fee. See Terms and Conditions
Use your line of credit to make purchases in just a few clicks. No card numbers, no expiration dates.
How to apply for PayPal Credit
For New Accounts, the variable Purchase APR is 29.24%. The APR is accurate as of 3/1/2024 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00. See terms.
Once approved, purchases of $99+ qualify for the deferred interest No Interest if paid in full in 6 months offer. If you pay the balance on a deferred interest purchase in full within the applicable promotional period, we will not charge any interest for that purchase. If you do not pay the full balance within 6 months, you will be charged accrued interest at the New Account variable Purchase APR that applies to your account from the date of the purchase. Minimum monthly payments are required. See Terms and Conditions.
Upon approval, PayPal Credit customers will be assigned a credit line of at least $250, based on credit worthiness. You can confirm your credit line details by logging in to your account.
When you apply, PayPal Credit completes an initial credit check that does not impact your credit score if declined. An approved PayPal Credit application will result in a hard credit inquiry, which may impact your credit score. If approved, your PayPal Credit account is added to your PayPal Wallet, so you can make purchases and enjoy special financing without having to apply again.
No, you will need an account with PayPal to apply for PayPal Credit. Once youve signed up for PayPal, you can begin the application for PayPal Credit. Signing up for PayPal is free.
Yes, you will be charged a late fee for each month the minimum payment is not paid by the payment due date. An explanation of the Late Payment Fee is provided in the current version of the PayPal Credit Terms and Conditions.
The Late Fee is equal to:
$30, if you have paid your minimum payment due by the due date in each of the prior six billing cycles; OR
$41, if you have failed to pay your minimum payment due by the due date in any one or more of the prior six billing cycles.
However, the Late Fee will never be more than the minimum payment that was due.
Payment Security is an optional purchase that can cover your minimum monthly payments or entire PayPal Credit balance up to $10,000 after certain qualifying life events. You may cancel at any time. Whether or not you purchase Payment Security will not affect your credit terms of any existing credit card agreement you have with us. See Payment Security Program Agreement for more details.
How to Pay with Bill Me Later Through Paypal
How do I Buy Now Pay Later?
Enjoy now. Pay later. Buy what you love now, and pay later. Break up your payments over weeks or even months. Use PayPal’s Buy Now Pay Later App to pay at your favorite retailers. Select a Pay Later offer at checkout, Pay in 4 or Pay Monthly, for qualifying purchases.
Why should I pay my monthly bills with Willow?
Willow breaks your monthly bills into 4 smaller payments so you can breathe easy about your budget! Happiness is positive cash flow: cover those big expenses without going into the red. Say goodbye to late fees! Never be late on a bill again. Improve your credit score by paying on time. Find freedom in your budget with flexible payment options.
How do I pay with PayPal?
This includes gift cards, other credit cards, other online banking services, and so on. Use PayPal to check out. When confirming your payment information with your selected vendor, look for and select a PayPal option. In most cases, this option is the PayPal logo.
How do I Buy Now & Pay Later on ZIP?
Select Buy Now, Pay Later from the payment screen at checkout. Zip will ask for your mobile number and a few personal details such as your name, date of birth, and where you live. (Don’t worry; there’s no hard credit check, so this won’t impact your credit score.) Continue through the checkout process like normal.