PayPal has a breakdown of how your excess money will be applied on their help center. Most debts work like this and it's why people who fall into credit card debt have such a hard time getting themselves out of it. Whenever you owe debts to an entity (Paypal in this case, but any person or business), any money paid will usually be applied to your highest APR debts, then to your oldest debts. In the case of PayPal easy payments, any easy payment balances are added to the minimum payment and money will be applied to those appropriately (they are after all, easy payments), then any excess money will go towards your highest APR debts, and to your oldest debts, in that order. If you have deferred interest balances or interest incurring balances remaining on your account, why would you want your money to go towards your payment plan balances? You've already agreed to pay PayPal an amount of money equally over a period of time, paying off easy payments faster won't save you any money, in fact, due to inflation, taking as long as you're allowed to pay something off without incurring interest is always in your benefit. You also have to understand that in order to offer deferred interest loans, there has to be an opportunity to make money from them. This is why the agreement includes paying interest incurred from the beginning of the debt should you fail to pay in time. Whenever you take on a new debt, you should understand how your payments will be applied to it before agreeing to the debt. If you find out later, like you seem to have in this case, simply start putting money that you would have otherwise tried to apply to your short term deferred interest loans to the side, then in the two month period, you have that money on the side to apply immediately to the loan. In this way, it still feels like a monthly payment spread out over a period of time, rather than "having two months to pay off $2000" as you put it.
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