Enjoy the magic of more time.

Build Something

We’re elevating online payments.

With more time to pay, there’s more time to enjoy the upside of life and build something you’ll be proud of. When you shop online, you want to be sure you’re getting convenient, secure service and quality products. Shop with PayPal Credit, and that high standard extends to your payments.

Get Ready

Welcome whatever life brings.

Big news can often mean big purchases, but that doesn’t have to mean big payments. When you shop with PayPal Credit, you can break your payments up over time using Easy Payments with PayPal Credit, or enjoy more time to pay with special financing offers. Use PayPal Credit online or in store to find just the right things for whatever life brings.

Save The Day

Money well sent.

With PayPal Credit, the funds you need are there whenever you need them. So you can pay the contractor, cover emergencies, or be there for a loved one – even when you’re miles away. All you need is an email address or mobile phone number to send money with the ease and security of PayPal. Plus, when you send money with PayPal Credit, they get paid immediately, and you can pay now, or pay over time. A flat fee of 2.9% + $0.30 US dollars (USD) per transaction is included. Learn more.

Buying now and paying later.
That’s the magic of more time.

When you need to buy something, you don’t want to wait. With PayPal Credit, you can enjoy special financing offers like this one: No Payments + No Interest if paid in full in 6 months on purchases of $99 or more. Buying with the power to pay as you choose and still enjoying the security and reliability of PayPal...now that’s magic

Interest will be charged to your account from the posting date (which is usually within a few days of the purchase date) if the purchase balance is not paid in full within 6 months. Subject to credit approval. See terms.

Get a credit decision in seconds

Answer 2 quick questions: your birth date and your Social Security number. You’ll know within seconds if you are approved. PayPal Credit will automatically be added to your PayPal account.

No Annual Fee

The comfort buying now and paying over time right from your PayPal wallet has the added benefit of no annual fee. The Annual Percentage Rate (APR) is 19.99% and the Minimum Interest charge is $2.00.

Easy account management

Whether you are on your computer or on your mobile device, PayPal Credit gives you the flexibility to check your statements, make payments and more right from your PayPal account.

Presto.

The flexibility, convenience, security and enjoyment of PayPal and PayPal Credit gives you the best shopping experience around. That’s the magic of more time.

Apply Now