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PayPal Credit Frequently Asked Questions

PayPal Credit Basics

What is PayPal Credit?

PayPal Credit is a reuseable credit line built into your PayPal account 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, formerly known as Bill Me Later, is subject to credit approval and is offered by Comenity Capital Bank. View PayPal Credit Terms and Conditions.

How do I apply for PayPal Credit?

When you apply for PayPal Credit, you’ll be asked to provide your date of birth and the last 4 digits of your Social Security number, and then to 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 PayPal account and you’ll see it as a payment option every time you check out with PayPal. Apply For PayPal Credit.

Is there an annual fee to use PayPal Credit?

Nope! There is no annual fee to use PayPal Credit. See the Terms and Conditions.

Why should I use PayPal Credit for my PayPal purchases?

Get 6 months to pay on purchases of $99 or more when you check out with PayPal and pay with PayPal Credit. Plus, score valuable discounts and special financing offers when you use PayPal Credit. You can also review all of your purchases and pay your bill through Learn more about the benefits of PayPal Credit.

What if I do not currently have a PayPal account?

The first step of the PayPal Credit application process will ask you to sign into your PayPal account or give you the ability to sign up for one. Once you’ve signed up for a PayPal account, you can begin the application for PayPal Credit. Signing up for a PayPal account is free. Sign up for PayPal and apply for PayPal Credit.

Do I have a Credit Line and how much will it be?

After you've been approved, your PayPal Credit account will be assigned a credit line based on your credit worthiness.

You can confirm your credit line details by logging into your account.

What is the Annual Percentage Rate (APR)?

The Annual Percentage Rate for standard purchases and cash advances on a PayPal Credit line is 19.99%, although some special offers have a lower, promotional APR. The Minimum Interest Charge is $2.00. Of course, you can choose to pay your entire balance by the payment due date to avoid interest charges. Learn more about the interest rate.

What does ‘Subject to Credit Approval’ mean?

Comenity Capital Bank will review and consider your credit report and other credit related information prior to opening your account and establishing your credit line. Creditworthiness is determined by Comenity Capital Bank. This process happens in a matter of seconds as part of the PayPal Credit checkout process.

Using PayPal Credit

How do I use PayPal Credit?

You can use PayPal Credit just about anywhere PayPal is accepted.

To use PayPal Credit, simply checkout using PayPal and select PayPal Credit as your payment method. Learn more about how to use PayPal Credit.

How does the "No Payments + No Interest if paid in full in 6 months on purchases of $99 or more" offer work?

You’ll have the option to make no payments and pay no interest for 6 months, on qualifying purchases of $99 or more. As long as you pay in full by the promotion expiration date, you will not be billed interest for that purchase. If you do not pay in full, interest will be charged from the transaction posting date (which is usually within a few days after the purchase date) and will be billed to your account. You will receive monthly statements and can make payments at any time.

Note: PayPal Credit promotional financing offers do not apply to send money transactions. Learn more about this special financing offer.

How do I select PayPal Credit as my preferred way to pay?

At checkout, you’ll have the option to select PayPal Credit as your payment method. You can also set PayPal Credit as your preferred way to pay. That way, as long as you have available credit in your PayPal Credit account, every purchase you make with PayPal uses your PayPal Credit account as the preferred way to pay. Additionally, some merchants have a PayPal Credit option at checkout. If they do, you can simply choose that option. Learn more about setting PayPal Credit as your preferred way to pay.

Do you check my credit report every time I make a purchase?

No. A credit report is reviewed when you apply for PayPal Credit and occasionally when you attempt to increase your credit line. Periodically, we’ll obtain updates of your report, but these updates have no impact on your credit score. If for any reason your Credit Line is decreased, you’ll be notified of the reason in writing.

How do I increase my credit line with PayPal Credit?

If your PayPal Credit purchases exceed your available credit, then we will consider increasing your credit line. Your eligibility for a credit increase is determined by your credit history, customer history with PayPal Credit and the Terms and Conditions. This evaluation happens seamlessly during checkout.

Can I use PayPal Credit to send money?

Yes! Simply log in to and select the Send Money tab. Select PayPal Credit as your payment method, then confirm your payment details. When you use PayPal Credit to send money, a flat fee of 2.9% + $.30 US dollars (USD) per transaction is included in your payment total. This is the same fee you pay when you use a debit or credit card to send money through PayPal.

Note: PayPal Credit promotional financing offers do not apply to send money transactions.

Does PayPal Credit protect me from liability for unauthorized charges?

Yes. When you check out with PayPal and choose PayPal Credit as your payment method, your eligible purchases are covered under PayPal's Purchase Protection program.

Managing Your PayPal Credit Account

How do I manage my PayPal Credit account?

If you want to view your statements, schedule a payment or make PayPal Credit your preferred way to pay, visit PayPal Credit account management.

You can also manage your account using the PayPal App on your smart phone or tablet.

Is there a fee for late payments?

Yes, you will be charged a late fee for each month that the minimum payment is not paid by the payment due date. The first time you’re late, the amount of the late fee will be the same amount as the missed payment, up to $27. If you’re late again, the late fee will be up to $38. Learn more about late fees.

How do I pay my PayPal Credit bill?

You’ll receive monthly statements and can choose to pay in full or over time (interest charges may apply). At any time you can pay your balance due from either your PayPal balance or your linked bank account conveniently on Learn more about making a payment.

You can also mail your payments in to:

  • PayPal Credit
  • P.O. Box 105658
  • Atlanta, GA 30348-5658
Note: Please make sure you include your PayPal Credit account number or payment stub.

Is there a number I can call if I have additional questions?

Yes there is. Our customer service department is available to assist you with your PayPal credit related issues. Please call us at 1-866-528-3733 and we will do our best to help.

Our Service Hours are:

  • Monday - Friday: 8 AM - 11 PM Eastern Time
  • Saturday - Sunday: 9 AM - 9 PM Eastern Time

Linking PayPal Credit and PayPal Accounts

How do I add my PayPal Credit account to my PayPal account?

It’s easy! If you’re not already linked, click here or enter into your browser for step-by-step instructions.

Why should I link my PayPal Credit and PayPal accounts?

Linking your accounts means you’ll be able to use PayPal Credit at most places PayPal is accepted. You can also easily manage both accounts—pay your bill, view recent activity, set payment reminders and much more at

What if my PayPal account is blocked or closed?

If your PayPal account is blocked or closed, you will not be able to go through the online linking process. Please call PayPal Credit Customer Service at 1-888-221-1161.