Skip to main content

PayPal Credit

Get No Interest if paid in full in 6 months on purchases of $99 or more when you check out 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. Minimum monthly payments required.

Apply Now

Subject to credit approval. See terms below.

PayPal Credit logo

Important information about PayPal Credit and Easy Payments.

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.

  • 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 29.24%. The APR is accurate as of 3/1/2024 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:

Buy now and 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.
  • You can also 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.
  • We’ll 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.

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 reusable credit line available on purchases at millions of online stores that accept PayPal, including eBay.com.

Get more with PayPal Credit.

  • Dollar 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 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 an account with PayPal, it’s easy to sign up at PayPal.com.

  • 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. (See Terms and Limitations.)

Additional site navigation