Buy Now, Pay Later

We are now offering a Buy Now, Pay Later (BNPL) option to our students through PayPal.

Buy Now, Pay Later

We are proud to announce that we have partnered with PayPal to offer a Buy Now, Pay Later option to our students.

What is Buy Now Pay Later (BNPL)?
BNPL is a line of credit from a third-party company, not an agreement with the retailer. The company pays the retailer on behalf of the consumer, and the consumer then pays the company back in installments.

What options do I have?
PayPal offers three distinct options on their Buy Now Pay Later platform.

  • “Pay in 4” – A down payment is made, and the remaining balance is paid in three interest-free, bi-weekly payments. This option is available for purchases between $30 and $1,500.  Because there is a purchase cap of $1,500, the minimum down payment to use this option would be $2,350.
  • “Pay Monthly” – Customers can apply for monthly payments, and if approved, they can split their payments into 6, 12, or 24 installments. This option is available for purchases between $199 and $10,000, and the APR ranges from 9.99% to 35.99% depending on the customer’s creditworthiness.
  • “PayPal Credit” – This option offers a digital, reusable credit line. If you pay your balance in full within six months on purchases of $149 or more, you won’t be charged interest. If you don’t pay your balance in full within six months, interest will be charged from the purchase date.

* All Buy Now Pay Later options are considered lines of credit and are subject to credit approval.

Step-by-Step Video Walkthrough

Frequently Asked Questions

What affects my eligibility?
  • Ensure an established (active account), positive relationship with PayPal.
  • Be mindful of the amount of open loans with PayPal. The amount of open loans is taken into consideration during the decisioning process.
  • Length of credit history. Longer is typically better. If you have a short or limited financial history, it can be hard for us to assess your creditworthiness and your ability to repay the debt.
  • When applications are reviewed, several factors are considered including, but not limited to, the information you provided in your application, your credit score, your transaction history with PayPal, and how long you’ve had a PayPal account.
  • When applying for PayPal Pay Later solutions, a soft credit check may be needed, but will not affect your credit score. You must be 18 years old or older when applying for Pay Later.
  • Pay in 4 is always interest-free, with no late fees or sign-up fees. With Pay Monthly, you will pay a fixed interest rate, which varies based on your credit, and you won’t pay any late fees or sign-up fees.
  • Yes. You can view your Pay Monthly remaining balance in the PayPal app by clicking Pay Later. There you can make additional payments as desired or pay off the loan in full at any time and you won’t be charged a fee or penalty if you do so.
  • A declined Pay in 4 or Pay Monthly application does not negatively impact your credit bureau score.
  • Applying too often for any credit product can result in a decline.
  • If your application is declined, you can still use PayPal to check out securely with other payment methods in your wallet. We will send you a secure message in the PayPal Message Center by explaining why your application wasn’t approved at this time.
  • If your Pay Monthly Installment Loan is approved and used, PayPal may report your Pay Monthly Installment Loan to credit reporting agencies. This will include information like your loan amount and payment history which may impact your credit score.

Our Proud Partners

We have had the pleasure of working with some major brands over the years. 
Whether you’re an individual looking to become EMT certified, or a large organization that would like to train your staff, we can help.

Ready to get started?

Send us a message or give us a call and we would be happy to answer any questions that you may have.

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