PayPal Credit

Easy Payments with PayPal Credit.

Pay for your purchases in monthly payments.

Subject to credit approval.

Learn about Easy Payments

Get what you want now and keep your money in your pocket.

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

Interest 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.

Learn about Special Financing

Easy Payments options:

Select Easy Payments at checkout to take advantage of special financing offers.

9 Payments*

9.99% APR
9 month term

Minimum Purchase amount:
$125.00

12 Payments*

9.99% APR
12 month term

Minimum Purchase amount:
$150.00

The total cost of your purchase with interest will be divided into substantially equal monthly payments.

If the merchant ships your items separately, the total price of each shipment will be divided into substantially equal payments. After you complete your purchase, your first payment will be due in 25 days or later.

The minimum payment on your account will include your Easy Payments purchase, as well as any other purchases you’ve made using PayPal Credit.

You can find your monthly payment amount – including the final payment amount – and other transaction details on your billing statement under the Active Promotions section.

You’ll need a PayPal account to manage your PayPal Credit account online.

*Special PayPal Credit promotional offers are available for a limited time only and may vary, depending on where you shop. Offers aren’t valid on previous returns, refunds, and exchanges, or when using the Send Money feature in your PayPal account.

If approved, Synchrony Bank will extend credit to you to pay for your purchase, and will pay the merchant on your behalf. Read the complete Terms and Conditions.

Purchases of $99+:

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

  • Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months.
  • A minimum monthly payment is required and may or may not pay off the promotional purchase by the end of the 6 months period.
  • No interest will be charged on the purchase if you pay it off in full within 6 months. If you do not, interest will be charged on the purchase from the purchase date at the Purchase APR applicable to your account.
  • For New Accounts: Variable Purchase APR is 25.49%. The APR is accurate as of 6/1/2018 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00.
  • Individual items that are less than $99 qualify for special financing when combined for a total of $99 or more in a single transaction.
  • Multiple separate transactions of less than $99 per transaction cannot be combined to meet the minimum purchase amount.

Purchases of $98.99 or less:

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

  • If you pay your balance in full each month by the payment due date that is on your statement, you can avoid paying interest.
  • Or, make minimum monthly payments, or any additional amount of your choosing, until you've paid off your balance according to your standard account terms. Please note, interest charges may apply.
  • We'll send you email reminders when your payments are due. You can also keep track of your account and view your statements online at any time.

Get more with PayPal Credit:

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More payment flexibility.

Buy now. Pay over time with PayPal Credit.

O

Manage your accounts in one place.

By simply logging into PayPal.com, you can keep track of all your PayPal and PayPal Credit transactions at any time. Plus, we will email you when your monthly statement is ready so you can stay on top of your payments. If you don't have a PayPal account, it's easy to sign up at PayPal.com.

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Easy, fast checkout.

There's no credit card needed, and no account numbers to enter. Get in, get out and get on with your life.

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Your Protection. Our Priority.

Eligible purchases are backed by PayPal Purchase Protection. (See terms and limitations)

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Ϯ Additional information.

  • If approved, we start you off with a minimum credit line of at least $250.
  • For New Accounts: Variable Purchase APR is 25.49%. The APR is accurate as of 6/1/2018 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 $38, even less if it's your first time.

Click here to view the PayPal Credit Terms and Conditions

PayPal Credit is subject to credit approval as determined by the lender, Synchrony Bank, and is available to US customers who are of legal age in their state of residence. You must pay with PayPal Credit to get the offers. Minimum purchase required is before shipping and tax. Offers not valid on previous purchases, returns or exchanges.

Have additional questions about PayPal Credit?

Visit FAQs
Copyright 2018 Bill Me Later, Inc. All rights reserved. The lender for PayPal Credit accounts is Synchrony Bank.