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.

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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

Apply for PayPal CreditLearn About PayPal Credit
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. See Terms and Conditions.

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.

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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

Learn About Pay Later

Frequently asked questions

Discover more ways to pay

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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.

1
Purchases are subject to credit approval, and the PayPal Cashback Mastercard must be used for payment. See Rewards Programs Terms for details and eligibility criteria.
2
Offer is available when you check out with PayPal and choose PayPal Credit. 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. For PayPal Credit Account Terms, see the PayPal Credit Terms and Conditions.
3
An approved PayPal Credit application will result in a hard credit inquiry, which may impact your credit score.
4
See Terms and Rates for New Accounts.
5
Applications are subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply. An approved PayPal Cashback Mastercard application will result in a hard credit inquiry, which may impact your credit score.
The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned and used with permission of EMVCo, LLC.
The PayPal Cashback Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
6
Pay in 4 is available to consumers upon approval for purchases of $30 to $1,500. Pay in 4 is currently not available to residents of MO or NV. Offer availability depends on the merchant and also may not be available for certain recurring, subscription services. When applying, a soft credit check may be needed, but will not affect your credit score. You must be 18 years old or older to apply: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee. NM residents: Find more disclosures related to Pay in 4.
7
Pay Monthly is subject to consumer credit approval. Fixed APR is 9.99-35.99%. Terms and rates vary based on purchase amount and your credit. For example, a $600 purchase can be paid at 26% APR in 6 monthly payments ($107.76/mo.; $46.57 interest; $646.57 total of payments) or 12 monthly payments ($57.33/mo.; $88.01 interest; $688.01 total of payments). A $2,500 purchase can be paid at 26% APR in 24 monthly payments ($134.72/mo; $733.17 interest; $3,233.17 total of payments). Payments may change based on shipping, taxes, updates to your purchase, or missed payments. Availability depends on the merchant and may not be available for subscriptions or recurring payments. Pay Monthly is currently not available to residents of AK, CT, HI, NC, or NV. You must be 18 years old or older to apply. Missed payments may have an impact on your credit score. The lender for Pay Monthly is WebBank. PayPal, Inc. (NMLS #910457): RI Loan Broker Licensee. VT Loan Solicitation Licensee. VT residents: THIS IS A LOAN SOLICITATION ONLY. PAYPAL, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.