PayPal Smart Connect FAQs



What is PayPal Smart Connect?
What are the benefits of having PayPal Smart Connect?
How do I apply for PayPal Smart Connect?
How high of a credit account can I receive?
Where can I use PayPal Smart Connect?
Does PayPal Smart Connect have a rewards program?
I applied for the PayPal Extras MasterCard but was approved for PayPal Smart Connect – why?
Is PayPal Smart Connect available outside the U.S.?
Do I make payments to the seller?
Why would I want to use PayPal Smart Connect instead of another credit card?
Who is the financial entity behind PayPal Smart Connect?

For more questions, please visit the PayPal Help Center.



What is PayPal Smart Connect?
PayPal Smart Connect is a personal credit account exclusively for PayPal members. It lets you make low monthly payments on PayPal purchases, so you can shop now and pay later. PayPal Smart Connect is an additional way to fund your purchases through your PayPal account.

What are the benefits of having PayPal Smart Connect?
PayPal Smart Connect is a secure, convenient, and flexible way to fund your purchases made with PayPal, allowing you to shop now and pay later:

  • Makes any PayPal purchase more affordable with low monthly payments
  • Offers convenient, money-saving opportunities with promotional financing
  • Increases your purchasing power by adding another funding option
  • Covers your purchases with full Buyer Protection from PayPal
  • Lets you shop with ease anywhere PayPal is accepted
  • Saves money with no annual fees
  • Increases your total PayPal sending limit

How do I apply for PayPal Smart Connect?
Applying for PayPal Smart Connect is fast, easy, and secure; you can get your credit decision in as soon as 30 seconds! To begin the application process, click here.

How high of a credit account can I receive?
Your credit account is determined by your credit history. Once you are approved for credit, you will be told the amount of your credit account. Get your credit decision in as soon as 30 seconds! To begin the application process, click here.

Where can I use PayPal Smart Connect?
You can use PayPal Smart Connect to fund purchases on eBay listings that accept PayPal and anywhere else PayPal payments are accepted.

Does PayPal Smart Connect have a rewards program?
At this time, PayPal Smart Connect does not have a rewards program.

I applied for the PayPal Extras MasterCard® but was approved for PayPal Smart Connect – why?
Your account type is determined by a number of credit factors at the time you apply. PayPal Smart Connect provides you the same level of protection as PayPal Extras MasterCard® and has no annual fee.

Is PayPal Smart Connect available outside the U.S.?
At this time, only buyers residing in the U.S. with a U.S. PayPal account can apply and be approved for PayPal Smart Connect.

Do I make payments to the seller?
No. The seller gets paid in full by PayPal right away. You make payments to the financial entity behind PayPal Smart Connect, Synchrony Bank.

Who is the financial entity behind PayPal Smart Connect?
Financing is provided by Synchrony Bank, one of the leading providers of consumer credit.