Get more time to pay when you shop with your PayPal Credit account.

Your reusable credit line gives you 6 months to pay on every purchase of $99 or more. That means every time you use your PayPal Credit account you get the buying power to shop now and the flexibility to pay later.* See Terms

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

Interest will be charged from the transaction 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. See Terms

Shop Now

Get the buying power to shop now.
Enjoy the flexibility to pay later.

Use PayPal Credit's digital, reusable credit line to shop anywhere PayPal is accepted. Whether you're buying the perfect gift or purchasing a new couch, you can get 6 months to pay on purchases of $99 or more. The best part? This isn't a one-time offer. You can enjoy more time to pay every time you shop with PayPal Credit.

Discover all the ways you can shop with 6 months to pay.

See how easy it is to use your reusable credit line.

Everything you love about PayPal – and more.

Get all the benefits of PayPal, plus more time to pay, when you shop with PayPal Credit.

Purchase Protection

If something goes wrong with your order, we'll reimburse you for the full purchase price plus any original shipping costs.
See Limitations and Learn More

Return Shipping On Us

If you aren't happy with your order, we'll refund the cost of sending it back.
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OneTouch™

Check out in a single step with just the touch of a button by connecting PayPal Credit with OneTouch™.
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Need to link your accounts?

If your PayPal Credit, formerly Bill Me Later, account is not linked you're missing out on all the benefits of PayPal. Linking your accounts is easy and lets you manage your PayPal Credit account online, shop just about anywhere PayPal is accepted and enjoy the convenience and security of PayPal.

Already have a PayPal account?

Link My Accounts

New to PayPal?

Learn more about managing your PayPal Credit account.

* PayPal Credit is subject to credit approval as determined by the lender, Comenity Capital 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.