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PayPal Credit Frequently Asked Questions

PayPal Credit Basics

What is PayPal Credit?

PayPal Credit is an open end (revolving) credit card account that provides a reusable credit line built into your account with PayPal giving you the flexibility to pay for your purchases right away or pay over time. It’s easy to apply, easy to use and there whenever you need it. PayPal Credit is subject to credit approval and is offered by Synchrony Bank.

See the current PayPal Credit Terms and Conditions

Applying for PayPal Credit

How do I apply for PayPal Credit?

When you apply for PayPal Credit, you’ll be asked to provide your date of birth, your income after taxes, the last 4 digits of your Social Security number, and agree to the Terms and Conditions. You’ll know within seconds if you are approved. And here’s the cool thing: your PayPal Credit account will be linked to your account with PayPal and you’ll see it as a payment option every time you check out with PayPal.

Apply for PayPal Credit

Using PayPal Credit

How do I use PayPal Credit?

To use PayPal Credit, simply checkout using PayPal and select PayPal Credit as your payment method.

Learn more about how to use PayPal Credit

Managing My Account

How do I manage my PayPal Credit account?

To manage your account, log into PayPal and click PayPal Credit. You can also manage your account using the PayPal App on your smart phone or tablet.

Learn more about PayPal Credit account management

Linking PayPal Credit and PayPal

How do I link my PayPal Credit account to my account with PayPal?

Linking your account is easy. You can link your PayPal Credit account to an existing account with PayPal if you have one. Don't have an account with PayPal? Signing up for PayPal is free.

Link your account

Payments and Charges

How do I pay my PayPal Credit bill?

At any time, you can choose to make a one-time payment or schedule automatic payments towards your balance due. You can pay from either your PayPal Balance Account, or your linked bank account conveniently on

You can also mail your payments to:
PayPal Credit
P.O. Box 960006
Orlando, FL 32896-0006

Or, you can call our customer service department at 1-844-373-4961 to make a payment.

Note: When mailing a payment, please make sure you include your PayPal Credit account number or payment stub.

Learn more about making a payment.

Payment Security

What is Payment Security?

Payment Security is an optional purchase that can cover your minimum monthly payments or entire PayPal Credit balance up to $10,000 after certain qualifying life events. You may cancel at any time. Whether or not you purchase Payment Security will not affect your credit terms of any existing credit card agreement you have with us. See Payment Security Program Agreement for more details.

Have additional questions?

We are here to help you – call 1-844-373-4961.

Our Service Hours are:
Monday - Friday: 8 AM - 11 PM Eastern Time
Saturday - Sunday: 9 AM - 9 PM Eastern Time

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