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 or more. Plus, no impact to your credit score if declined.1

A mobile phone showing PayPal cards and credit options, including PayPal Cash, PayPal Cashback Mastercard, and PayPal Credit

Your own always-on credit line

Ready to go

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

Everyday offer

Six months special financing isn’t an intro offer, it’s an everyday benefit. Plus, Purchase Protection applies to all eligible purchases with PayPal, not just purchases of $99+. See details

No annual fee

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

Fast 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

You're covered by PayPal for eligible purchases you don't receive or if something shows up significantly different than described.2 Terms and limitations apply

Payment Security

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.

How to apply for PayPal Credit

Enter your information

Review terms and conditions

Confirm and submit

PayPal Credit FAQs

Trust the way you pay

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
By clicking Send Link you agree to receive a text message with a link to the PayPal app. Message and data rates may apply.