What is my Annual Percentage Rate (APR)?

The Annual Percentage Rate for your PayPal Credit account is 19.9% per annum variable. This is your standard rate of interest. Sometimes we’ll run promotional offers with a lower rate of interest (such as 0% per annum for 4 months). Your standard rate will not apply to transactions charged at a lower interest rate during the promotional offer period.

Of course, you can choose to pay your entire balance by the payment due date and not incur interest charges.

We may increase your standard interest rate by giving you at least 30 days’ notice. For more information on when we would do this please see your Credit Agreement.

Cookies help us customise PayPal for you, and some are necessary to make our site work. Cookies also let us show you personalised offers and promotions, both on and off our site. Of course, you're in control. You can manage your cookies at any time.