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Buy now, pay over time with PayPal Credit.

Shop with your digital, reusable credit line anywhere PayPal is accepted and enjoy 6 months special financing on purchases of $99.00+. See terms.

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Enjoy No Interest if paid in full in 6 months on purchases of $99.00+.

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.

Pay over time at millions of stores online.

PayPal Credit helps give you the flexibility to buy what you need when you need it wherever PayPal is accepted.


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It's everything you love about PayPal–and more.

Enjoy all the benefits of PayPal and PayPal Credit when you shop with your reusable, digital credit line.

Purchase Protection

If your purchase doesn't match the exact description or doesn't arrive at all, PayPal can refund the full purchase price plus original shipping costs.
See Terms and Limitations.

Fast Checkout

With no card numbers or expiration dates, check out anywhere PayPal is accepted in just a few clicks.

No Annual Fee

The convenience of buying now and paying over time has the added benefit of no annual fee.
See Terms and Conditions.

If you have a current PayPal Credit account that is not linked to an account with PayPal, you need to link your accounts to enjoy all the benefits of PayPal. Link My Accounts.

Managing your PayPal Credit account is easy.

Access your PayPal Credit account at any time online or manage your account on the go with the PayPal mobile app.

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Still have questions?

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For New Accounts: Variable Purchase APR is 23.99%. The APR is accurate as of 9/1/2021 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 $30.00 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.

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