PayPal Credit

Enjoy no interest if paid in full in 6 months on purchases of $99 or more on eBay.com 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 25.99%. The APR is accurate as of 9/1/2019 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 eBay.com and check out with PayPal Credit to pay over time.

About PayPal Credit

PayPal Credit is a digital, reusable credit line available to purchase goods and services from thousands of online stores. Use PayPal Credit to shop anywhere PayPal is accepted.


Whether you're buying the perfect gift or purchasing a new couch, you can get 6 months special financing on purchases of $99 or more. The best part? This isn't a one-time offer. You can enjoy paying over time every time you shop with PayPal Credit.


PayPal Credit delivers the same trust, security, and flexibility that you get from PayPal.


Get more with PayPal Credit.

More payment flexibility.

More payment flexibility.

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

Manage your accounts in one place.

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.

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.

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)


For New Accounts: Variable Purchase APR is 25.99%. The APR is accurate as of 9/1/2019 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 $39, even less if it’s your first time. See FAQ for more info.)


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 cart purchase required is before shipping and tax. Offers not valid on previous purchases, returns or exchanges.