PayPal Credit

Buy now. Pay over time.

Shop with PayPal Credit’s digital, reusable credit line to get No Interest if paid in full in 6 months on purchases of $99+¹. Seriously.

Your own always-on credit line

Apply in seconds

If approved, PayPal Credit will be instantly added to your PayPal Wallet. Use it to shop at millions of stores online.

Use our all day, every day offer

Six months special financing isn’t an intro offer, it’s an everyday benefit! Purchase Protection applies for eligible purchases of the program, not only $99+. See details here.

Enjoy no annual fee1

PayPal Credit’s reusable, digital credit line comes with the added benefit of no annual fee. See terms.

Hassle-free checkout

Use your line of credit to make purchases in just a few clicks. No card numbers, no expiration dates.

We’ve got your back

Check out confidently and securely with PayPal Credit.

Purchase Protection

Check out knowing that PayPal can have your back in case something goes wrong with an eligible purchase.2

Payment Security

You could get some financial relief in the case of disability, hospitalization, unemployment, and other covered events. Terms apply.3

Access a powerful shopping network

Pay with PayPal Credit, and get 6 months special financing on purchases of $99+ at millions of online merchants that accept PayPal. Subject to credit approval. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum Monthly Payments required. See terms.

Explore how to apply for PayPal Credit

Enter your information

Review terms and conditions

Confirm and submit

PayPal Credit FAQs

Join the millions around the world who love PayPal

Easily and securely spend, send, and manage your transactions—all in one place. Download the app on your phone or sign up for free online.

Scan the code or enter your number to get the app.

A QR code you can scan with the camera on your phone to download the PayPal app
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