PayPal Credit Frequently Asked Questions
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
What is the Annual Percentage Rate (APR)?
How does the "No Interest if paid in full in 6 months on purchases of $99.00 or more" offer work?
Is “No Interest if paid in full in 6 months on purchases of $99.00 or more” an introductory offer?
Is there an annual fee to use PayPal Credit?
Do I have a credit line and how much will it be?
What is the Easy Payments promotional financing option offered by 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
What if I do not currently have an account with PayPal?
What does ‘Subject to Credit Approval’ mean?
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
Where can I use PayPal Credit?
Why should I use PayPal Credit for my PayPal purchases?
Can I use PayPal Credit for purchases less than $99.00?
Can I use PayPal Credit to send money?
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
Why do I have to provide my annual income after taxes?
How do I increase my credit line with PayPal Credit?
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
Why should I link my PayPal Credit account to my account with PayPal?
What if my account with PayPal is blocked or closed?
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 PayPal.com.
You can also mail your payments to:
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.
Is there a fee for late payments?
Does PayPal Credit protect me from liability for unauthorized charges?
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.
What qualifies as a life event?
How much does Payment Security cost?
How can I cancel my Payment Security coverage?
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