Buy now, pay over time with PayPal Credit.
Use PayPal Credit's digital, reusable credit line to shop online anywhere PayPal is accepted, and get 6 months special financing on purchases of $99+ every time you shop. See terms
Log InNot a PayPal Credit customer? Learn More
No Interest if paid in full in 6 months on purchases of $99+.
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. See terms
Whether you're buying the perfect gift or purchasing a new couch, PayPal Credit helps give you the flexibility to buy what you need when you need it.
Accepted at millions of online stores where PayPal is accepted.
PayPal Credit helps make it easier to fit purchases, big or small, in to your budget every time you shop at your favorite online stores where PayPal is accepted.
Everything you love about PayPal – and more.
Get all the benefits of PayPal and PayPal Credit when you shop with your reusable, digital credit line and easily manage your account online.
Purchase Protection
If your purchase doesn't match the exact description or doesn't arrive at all, we can refund the full purchase price plus original shipping costs.
See Terms and Limitations
Return Shipping On Us
If you aren't happy with your order, we can refund the cost of sending it back.*
See Limitations and Learn More
One Touch™
Check out with just a tap by connecting with One Touch™.
Learn More
No Annual Fee†
The convenience of buying now and paying over time has the added benefit of no annual fee.
See Terms and Conditions
Managing your PayPal Credit account is easy.
Access your PayPal Credit account at any time. To manage your account on the go, download the PayPal mobile app.
Still have questions?
Visit Our FAQs†For New Accounts: Variable Purchase APR is 25.99%. The APR is accurate as of 9/1/2019 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00.
*Limitations apply. This program is open only to eligible U.S. PayPal account owners. Once the service is activated, participants may receive up to 12 refunds (up to $30 per refund request) per calendar year (January 1 – December 31) on qualifying returns of tangible items returned in accordance with seller’s return policy. Other limitations apply. See full terms and conditions.