Skip to main content

PayPal Credit

Buy Now. Pay Over Time.

Subject to approval.

Apply Now

PayPal Credit logo

Enjoy no interest if paid in full in 6 months on purchases of $99 or more on with PayPal Credit

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 25.49%. The APR is accurate as of 3/1/2020 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.

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

  • Avoid paying interest by paying your balance in full each month by the due date.
  • You can also make payments until you've paid off your balance according to your standard account terms. Interest charges may apply.
  • We'll send you email reminders when your payments are due. You can keep track of your account and view your statements online at any time.

Click here to view the PayPal Credit Terms and Conditions.

Shop for your favorite items on and check out with PayPal Credit to pay over time.

About PayPal Credit

PayPal Credit is a reusable credit line available on purchases at thousands of online stores that accept PayPal, including

Get more with PayPal Credit.

Dolar icon

More payment flexibility.

Buy Now. Pay over time. You decide what's best for you.

Map icon

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

Basket icon

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.

Shield icon

Your Protection. Our Priority.

Eligible purchases are backed by PayPal Purchase Protection. If approved, we start you off with a minimum credit line of at least $250. (See Terms and Limitations)