Paypal Pay Later/Pay-In-4 saying that I am not eligible for it when I haven't used it before...

[LJS228]

I am wanting to make a big purchase, and have wanted to try and use the Paypal Pay Later or Pay-In-4 feature as that is a lot less strain on me. However, each time I try to use it, it says that I am not eligible for the program. Do I need to do something specific before I am able to use that feature?

[Beatrice-Miami]

I read comments about the 4 payment plans but it is not working for me anymore. There is a 300 bible I need to buy and I am afraid of getting it because it will charge me the full amount. It doesn't give the option anymore. It just charges my bank directly.