Buy now, pay over time with PayPal Credit. Shop with PayPal Credit's digital, reusable credit line anywhere PayPal is accepted and enjoy 6 months special financing on purchases of $99+. Just fill out a quick application, and get a credit decision in seconds. If you have a current PayPal Credit account that is not linked to an account with PayPal, you need to link your accounts to enjoy all the benefits of PayPal. 

GET NO INTEREST IF PAID IN FULL IN 6 MONTHS ON PURCHASES OF $99+

Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months. Minimum monthly payments required. Subject to credit approval.

ENJOY QUICK ACCESS TO CONVENIENT CREDIT

It's everything you love about PayPal–and more. Get all the benefits of PayPal when you shop with PayPal Credit.

Get a Credit Decision In Seconds

Just answer a few quick questions, and you’ll know within seconds if you’re approved.

No Annual Fee

Buy now and pay over time year round with no annual fee.

Purchase Protection

If your purchase doesn't match the exact description or doesn't arrive at all, PayPal can refund the full purchase price plus original shipping costs.

Free Return Shipping On Us

If you aren't happy with your order, PayPal can refund the cost of sending it back.* If you aren’t happy with your order, we’ll provide a free return shipping label or refund the cost of sending it back on eligible purchases.

Fast Checkout

With no card numbers or expiration dates, check out anywhere PayPal is accepted in just a few clicks.

If you have a current PayPal Credit account that is not linked to an account with PayPal, you need to link your accounts to enjoy all the benefits of PayPal.

PURCHASES OF $99+:

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

• Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months.

• A minimum monthly payment is required and may or may not pay off the promotional purchase by the end of the 6 month period.

• No interest will be charged on the purchase if you pay it off in full within 6 months. If you do not, interest will be charged on the purchase from the purchase date at the Purchase APR applicable to your account.

• For New Accounts: Variable Purchase APR is 23.99%. The APR is accurate as of 3/1/2021 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00.

• Individual items that are less than $99 qualify for special financing when combined for a total of $99 or more in a single transaction.

• Multiple separate transactions of less than $99 per transaction cannot be combined to meet the minimum purchase amount.

PURCHASES OF $98.99 OR LESS

Pay over time with PayPal Credit when you spend $98.99 or less.

• If you pay your balance in full each month by the payment due date that is on your statement, you can avoid paying interest.

• Or, make minimum monthly payments, or any additional amount of your choosing, until you’ve paid off your balance according to your standard account terms. Please note, interest charges may apply.

• PayPal will send you email reminders when your payments are due. You can also keep track of your account and view your statements online at any time.