Get what you want now and keep your money in your pocket.

Buy now. Pay over time with PayPal Credit.

Subject to credit approval.

Get a decision in seconds. During PayPal checkout, simply:

  • Select PayPal Credit
  • Answer a few quick questions
  • Accept the terms

About PayPal Credit

PayPal Credit is a reusable credit line available on purchases at thousands of stores that accept PayPal. It's also available for purchases on eBay and exclusively at thousands of other online stores. Plus, it comes with the same security and flexibility you trust from PayPal.

Get more with PayPal Credit:

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More payment flexibility.

Buy now. Pay over time with PayPal Credit.
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Manage your accounts in one place.

By simply logging into, you can keep track of all your PayPal and PayPal Credit transactions at any time. Plus, we will email you when your monthly statement is ready so you can stay on top of your payments. If you don't have a PayPal account, it's easy to sign up at
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Easy, fast checkout.

There's no credit card needed, and no account numbers to enter. Get in, get out and get on with your life.
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Enhanced security.

It's safer and more secure. Eligible purchases are backed by PayPal Purchase Protection.
(See eligibility)
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Additional information.

  • If approved, we start you off with a minimum credit line of at least $250.
  • For New Accounts: Variable Purchase APR is 25.74%. The APR is accurate as of 9/1/2018 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00.
  • If you miss a payment your late fee could be up to $38, even less if it's your first time.

Click here to apply for PayPal Credit and view the Terms and Conditions

PayPal Credit is subject to credit approval as determined by the lender, Synchrony Bank, and is available to US customers who are of legal age in their state of residence. You must pay with PayPal Credit to get the offers. Minimum purchase required is before shipping and tax. Offers not valid on previous purchases, returns or exchanges.

Have more questions?