PayPal Credit

Important information about PayPal Credit and Easy Payments

  • Get 5.99% APR for 12 months on purchases of $300+
  • Get 5.99% APR for 24 months on purchases of $600+
  • 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 be logged into your eBay account to make an Easy Payments purchase, and you cannot use a gift card, coupon, eBay Bucks or other voucher with an Easy Payments purchase.
  • You must select Easy Payments at checkout to take advantage of special financing offers.
  • The total cost of your purchase will be divided into substantially equal monthly payments. If the seller ships your items separately, the total cost of each shipment will be divided into substantially equal payments.
  • The minimum payment on your account will include your Easy Payments purchase, as well as any other purchases you've made using PayPal Credit.
  • This promotional offer isn’t valid on previous returns, refunds, and exchanges, or when using the Send Money feature in your PayPal account.
  • PayPal Credit is not available in the following categories o n eBay: Everything Else - Adult Only, eBay Motors (excluding eBay Motors – Parts and Accessories), Bullion and Real Estate. PayPal Credit is not available for purchases from non-US sellers or in currencies other than USD. Eligibility of items for PayPal Credit is determined at checkout and not on product, item or order summary pages.
  • 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.

This special PayPal Credit promotional offer is available for a limited time only (between 4/6/2020 and 4/12/2020, ending at 11:59PM PST on that date). Minimum purchase required.


For PayPal Credit Account Terms, see the PayPal Credit Account 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 reusable credit line available on purchases at thousands of online stores that accept PayPal, including eBay.com.


Get more with PayPal Credit.

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More payment flexibility.

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

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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.

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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.

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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 25.49%. 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. 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.