Pay now or pay over time with PayPal Credit. Just use PayPal Credit in PayPal checkout.
Subject to credit approval.

Purchases of $99+:

No Interest if paid in full in 6 months on purchases of $99 or more.

Purchases of $98.99 or less:

Buy now and pay over time with PayPal Credit when you spend $98.99 or less.

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:

More payment flexibility.

Pay now or over time. You decide what's best for you.

Manage your accounts in one place.

By simply logging into PayPal.com, 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 PayPal.com.

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.

Your Protection. Our Priority.

Eligible purchases are backed by PayPal Purchase Protection.
(See terms and limitations)

Additional information.

  • If approved, we start you off with a minimum credit line of at least $250.
  • For New Accounts: Variable Purchase APR is 25.49%. The APR is accurate as of 6/1/2018 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 view the PayPal Credit 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?