PayPal credit options

A little flexibility or a lot.

Get a quick credit line for unexpected purchases. Opt for a credit card that gives you up to 3% cash back on your PayPal purchases.1 Or try a Pay Later plan that meets your needs.

Man standing outside holding his phone

PayPal Credit

A digital credit line, always on

Ready when you are. Enjoy No Interest if paid in full in 6 months on every purchase of $99+ everywhere PayPal is accepted.2 Plus, there’s no impact to your credit score if you’re declined.3

PayPal Cashback Mastercard®

Up to 3% cash back

Earn 3% back on your PayPal purchases.1 And 1.5% back on everything else. Use it anywhere Mastercard is accepted. There’s no annual fee.4 And no impact to your credit score if you're declined.5 Add it to your phone’s wallet, and tap to pay.

Buy Now, Pay Later

Get it now, pay later

Pay over time with no late fees. Choose from smart options like Pay in 46 or Pay Monthly.7

Frequently asked questions

Discover more ways to pay

All in

the new

PayPal app

It’s your do-it-all digital wallet. Load up on cash back offers before you shop. Track your packages. And manage it all on the go.