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Buy now, pay over time with PayPal Credit.

Shop with PayPal Credit's digital, reusable credit line anywhere PayPal is accepted and enjoy 6 months special financing on purchases of $99.00+. Just fill out a quick application, and get a credit decision in seconds.

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Subject to credit approval. See terms.
Already a PayPal Credit customer? Explore Your Account

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Get 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. Subject to credit approval. See terms.

Enjoy quick access to convenient credit.

Get a Credit Decision In Seconds

Just answer a few quick questions, and you’ll know within seconds if you’re approved.

No Annual Fee

Buy now and pay over time year round with no annual fee.
See Terms and Conditions.

There When You Need It

If approved, PayPal Credit is automatically added to your account with PayPal. Check out in just a few clicks with no card numbers or expiration dates.

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.

Get all the benefits of PayPal when you shop with PayPal Credit.

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.

Return Shipping On Us

If you aren't happy with your order, PayPal can refund the cost of sending it back.*
See Limitations and Learn More.

Fast Checkout

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

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.

See how easy it is to apply.

Fill out a quick application and get a credit decision in seconds. If approved, shop instantly with PayPal Credit right from your account with PayPal.

Get the power to buy now and pay over time.

Apply for PayPal Credit

Still have questions?

Visit Our FAQs

For New Accounts: Variable Purchase APR is 23.99%. The APR is accurate as of 3/1/2021 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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