Are there any fees on my Pay in 4 loan? December 13, 2022 20:10 Updated Follow There are no fees associated with opening or closing your loan account, late payments, early payments, or annual fees. Related articles Can I have multiple Pay in 4 loans at one time? Will accepting a Pay in 4 offer impact my credit score? What is Pay in 4? If I return my purchase, what happens to my Pay in 4 loan? Do all merchants accept the Pay in 4 virtual card?