PayPal Credit

Buy now and pay over time.

Shop with PayPal Credit anywhere PayPal is accepted.

Purchases of $99 or more:

Get No Interest if paid in full in 6 months on purchases of $99 or more.

Purchases of $98.99 or less:

Buy now and pay over time with PayPal Credit when you spend $98.99 or less.

About PayPal Credit

Shop with PayPal Credit’s digital, reusable credit line at millions online stores where PayPal is accepted.

Flexible payment options

Pay now, or buy now and pay over time. You decide what's best for you.

Special financing all day, every day

6 months special financing isn’t an intro offer. It’s an everyday benefit. You can pay over time any time.

Easy, fast checkout

There are no card numbers or expiration dates to enter, so you can complete purchases in just a few clicks.

Purchase Protection

If your purchase doesn’t match the exact description or doesn’t arrive at all, PayPal can refund the full price, plus the original shipping costs. See terms and limitations.

Additional information

  • If approved, we start you off with a minimum credit line of at least $250.
  • For New Accounts: Variable Purchase APR is 29.24%. The APR is accurate as of 3/1/2024 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00.
  • If you miss a payment your late fee could be up to $41, even less if it's your first time.

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.

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