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Click here to view the Bill Me Later Terms and Conditions.

Bill Me Later^® is subject to credit approval as determined by the lender, Comenity Capital Bank, and is available to US customers who are of legal age in their state of residence.

Promotional offers may not be available for purchases made on a mobile device.

Simply select Bill Me Later as your payment choice during checkout. You'll give your birth date and the last 4 digits of your Social Security number, accept the terms, and you're done. Approval takes only seconds. And here's the cool thing: once you've started using Bill Me Later, you'll also see it as a payment option when you log in to PayPal during checkout.
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To make a payment toward your Bill Me Later balance, simply log in to your Bill Me Later account at www.BillMeLater.com and you can choose to pay in full or over time (interest charges apply). Plus, if you use Bill Me Later through PayPal, you can also view your purchases and pay your bill on PayPal.com. Even though your purchases appear in both places, you will only be charged once.
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Bill Me Later was acquired by PayPal in November 2008. Both Bill Me Later and PayPal are committed to providing customers with the fastest, most convenient buying experience online.
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The next time you check out with PayPal, simply select Bill Me Later as your funding source. A window will appear on your screen asking for your birth date and the last 4 digits of your Social Security number. Approval takes only seconds. Once approved, Bill Me Later will automatically be added to your PayPal account. If you're Bill Me Later account is linked to your PayPal account, your Bill Me Later offers may vary.
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No. There is no annual fee for using Bill Me Later.
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The Annual Percentage Rate is 19.99%. The Minimum Finance Charge is $2.00. Of course, you can choose to pay your entire balance by the payment due date and avoid interest charges.
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If a minimum payment is not received by your payment due date (found on your statement), you will be charged a late fee in the amount of the missed payment, up to $25 the first time you are late. Subsequent late payments will be charged a late fee up to $35.
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Yes, Bill Me Later provides "zero fraud liability" protection; the same protection provided by most major credit cards. This means you are not responsible for unauthorized charges. And your identity is validated with top-of-mind information such as birth date and the last 4 digits of your Social Security number. This means there is no account number that can be lost or stolen.
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Yes you do. Here's how it works: after you've been approved, Comenity Capital Bank will open a Bill Me Later account with a credit line equal to the amount of your purchase or $250, whichever is greater.

You can continue using Bill Me Later to make purchases. If those purchases cause your outstanding balance to exceed your credit line, then you will be evaluated for a credit line increase. This evaluation happens seamlessly during the checkout process. You don't need to do a thing. Best of all, your checkout won't be slowed down.

Here's an example of how this works:

1. If your first purchase using Bill Me Later is $150, your initial credit line will be $250.
2. If you make another purchase for $300 before your bill is paid, Bill Me Later will determine during checkout if your credit line can be adjusted to $450.
3. If you then pay $350 toward your first bill, you will have $350 remaining on your credit line. If you want to make another purchase using Bill Me Later for more than $350, Bill Me Later will determine during checkout if your credit line can be adjusted again.

You can always continue to make additional purchases up to your outstanding credit line, and we will consider increasing your credit line when your purchase goes above it.
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Bill Me Later is a line of credit provided by Comenity Capital Bank, an FDIC insured Utah chartered industrial bank located in Salt Lake City, Utah. Comenity Capital Bank will review and consider your credit report and other credit-related information prior to opening your account and establishing your credit line. Creditworthiness is determined by Comenity Capital Bank and only takes a matter of seconds as part of the checkout process.
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No, a credit report is reviewed when you apply for a Bill Me Later account and occasionally when you ask for an increase in your line of credit. Periodically, updates of your report are obtained but these updates have no impact on your credit score. Your account is reviewed quarterly. If for any reason your credit line is reduced, you will be notified of the reason in writing.
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When you attempt to make a purchase for an amount above your credit line, it will be treated as a request for a credit line increase. Your eligibility for a credit increase is determined by your credit history and customer history with Bill Me Later. This request happens seamlessly during the checkout process. You literally don't do anything on your end, and best of all, it won't slow down your checkout.
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Bill Me Later is available at thousands of online stores.
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Promotional offers may not be available for purchases made on a mobile device.
© 2013 Bill Me Later, Inc. All Rights Reserved.
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