Enjoy the magic of more time.

Go Faster

Get in gear.

When the time is right to make a purchase, you can’t wait. That’s why PayPal Credit is here – to help you get the gear you need, right when you need it. And, with flexible payment options, PayPal Credit lets you choose the road that’s right for you.

Build Something

We’re elevating online payments.

With more time to pay, there’s more time to enjoy the upside of life and build something you’ll be proud of. When you shop online, you want to be sure you’re getting convenient, secure service and quality products. Shop with PayPal Credit, and that high standard extends to your payments.

Make Improvements

To do list, done.

Make home improvements now, and worry about payments later. Shop with PayPal Credit and break your payments up over time using special financing or Easy Payments with PayPal Credit. You can even pay contractors by sending money with PayPal Credit and still enjoy more time to pay. A flat fee of 2.9% + $0.30 US dollars (USD) per transaction is included. Learn more.

Buying now and paying later.
That’s the magic of more time.

When you need to buy something, you don’t want to wait. With PayPal Credit, you can enjoy special financing offers like this one: No Payments + No Interest if paid in full in 6 months on purchases of $99 or more. Buying with the power to pay as you choose and still enjoying the security and reliability of PayPal...now that’s magic

Interest will be charged to your account from the posting date (which is usually within a few days of the purchase date) if the purchase balance is not paid in full within 6 months. Subject to credit approval. See terms.

Get a credit decision in seconds

Answer 2 quick questions: your birth date and your Social Security number. You’ll know within seconds if you are approved. PayPal Credit will automatically be added to your PayPal account.

No Annual Fee

The comfort of buying now and paying over time right from your PayPal wallet has the added benefit of no annual fee. The Annual Percentage Rate (APR) is 19.99% and the Minimum Interest charge is $2.00.

Easy account management

Whether you are on your computer or on your mobile device, PayPal Credit gives you the flexibility to check your statements, make payments and more right from your PayPal account.

Presto.

The flexibility, convenience, security and enjoyment of PayPal and PayPal Credit gives you the best shopping experience around. That’s the magic of more time.

Apply Now