Hello @rebeccapowell23,
Congratulations on your first post in the PayPal Community!
I'm sorry to hear you haven't been presented with the option to apply for Pay Monthly yet. During the checkout process, Pay Monthly will show up as an option to apply for if the purchase is eligible. Pay Monthly purchases have to be between $199 - $10,000 USD, and the merchant has to have opted in to accept Pay Later options. You can learn more about it on our Help Center here.
I hope this helps!
- Meghan
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