• Payments & Transfers
  • Disputes & Limitations
  • My Account
  • My Wallet
  • Login & Security
  • Seller Tools

What is PayPal Credit and where can I use it?

PayPal Credit is an open end (revolving) credit card account that provides a reusable credit line built into your account with PayPal. It gives you the flexibility to pay for your purchases later.

You can use PayPal Credit just about anywhere PayPal is accepted online. Simply use PayPal to check out, then select PayPal Credit as your payment method or apply for it on the spot.

How do I apply for PayPal Credit?

You can learn more about the offer details and apply for PayPal Credit from the PayPal website. We’ll process your application let you know right away if we approved it. If approved, we’ll open your PayPal Credit account and automatically link it to your PayPal account.

PayPal Credit is subject to credit approval and is offered by Synchrony Bank. It’s available for US residents who are of legal age in their state of residence.

If you have any question about PayPal Credit, please contact Synchrony Bank at 844-373-4961, Mon-Fri 8am-11pm ET, and Sat-Sun 9am-9pm ET.

Was this article helpful?
What is PayPal.Me?

More ways to get help

Resolution Center
Fix transaction and account related issues
Community Forum
Join the discussion with PayPal customers
Tax center
Get your 1099-K and other tax info here
Business Help
Get help with using any of our PayPal products
Technical Help
Find out how PayPal works for your business
Contact Us
Contact customer service
How are we doing?
Take our survey

We’ll use cookies to improve and customize your experience if you continue to browse. Is it OK if we also use cookies to show you personalized ads? Learn more and manage your cookies