One application. Two possibilities.

Apply and get a credit decision in seconds. If approved, you'll get either the PayPal Credit Card or a PayPal Credit digital line. There's no impact to your credit score if declined.

An approved PayPal Credit account application will result in a hard credit inquiry, which may impact your credit score. Subject to credit approval. See terms below.

Special Financing

PayPal Credit and PayPal Credit Card

No Interest if paid in full in 6 months on all purchases of $149+ with the PayPal Credit Card everywhere Mastercard is accepted, and online with the PayPal Credit digital line when checking out with PayPal.

  • Interest will be charged to your account from the purchase date at the APR applicable to your account if the balance is not paid in full within 6 months.
  • A minimum monthly payment is required, which may not pay off the purchase by the end of the 6 month period.
  • Special financing is available when an individual item or multiple items in a single purchase total $149 or more. If the amount that posts to your account for such a purchase is $149 or more, special financing will apply.
    • Some merchants may charge you separately if there are multiple items in a single purchase, such as when those items ship separately. If that happens, and a charge that posts to your account does not meet the minimum purchase threshold of $149 or more, special financing may not be automatically applied. Please visit the FAQ for information on how to apply special financing to this purchase.
    • Separate purchases cannot be combined to meet the minimum purchase amount.
All PayPal Credit and PayPal Credit Card Purchases
  • New Accounts as of 11/1/2025: Variable Purchase and Cash APR 29.89%. Variable Penalty APR 34.49%. APRs will vary with the market based on the Prime Rate. Min interest charge $2. PayPal Credit Mastercard: Cash Advance Fee 5% ($10 min), Foreign Trans Fee 3%. For current APRs, see PayPal Credit Mastercard and PayPal Credit Terms and Conditions.
  • For standard purchases, if you pay your balance in full each month by the payment due date, 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, but interest charges may apply.
  • If you do not pay the required minimum monthly payment by the payment due date, you will be charged a late fee.
Enjoy the flexibility of a PayPal Credit Card or a PayPal Credit digital line
1Interest 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. Subject to credit approval. See terms.

Have more

questions?

Visit Our FAQ’s
 
See PayPal Credit Mastercard and PayPal Credit Terms and Conditions.
The PayPal Credit Card and PayPal Credit digital line are subject to credit approval and are available to US customers who are of legal age in their state of residence.
The PayPal Credit Card and the PayPal Credit digital line are issued by Synchrony Bank. The PayPal Credit Card is issued pursuant to a license by Mastercard International Incorporated.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Copyright© 2025 PayPal. All rights reserved.