Buy now, pay later with PayPal Credit.

Get 6 months to pay on purchases of $99+ every time you shop. That's not an introductory offer and there's no limit on the number of qualifying purchases you can make. Just complete a quick application and get a credit decision in seconds.

Apply for PayPal Credit

No Payments + No Interest if paid in full in 6 months on purchases of $99 or more.

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. See terms

Apply for PayPal Credit

Get the buying power to shop now.

Enjoy the flexibility to pay later.

Use PayPal Credit's digital, reusable credit line to shop anywhere PayPal is accepted. Whether you're buying the perfect gift or purchasing a new couch, you can get 6 months to pay on purchases of $99 or more. The best part? This isn't a one-time offer. You can enjoy more time to pay every time you shop with PayPal Credit.

Discover all the ways you can shop with 6 months to pay.

See how easy it is to use your reusable credit line.

Everything you love about PayPal – and more.

Get all the benefits of PayPal, plus more time to pay, when you shop with PayPal Credit.

Purchase Protection

If something goes wrong with your order, we'll reimburse you for the full purchase price plus any original shipping costs. See Limitations and Learn More

Return Shipping On Us

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


Check out in a single step with just the touch of a button by connecting PayPal Credit with OneTouch™. Learn More

Applying is simple.

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

Get more time to pay today.

Apply for PayPal Credit

Still have questions?

Visit Our FAQ

* PayPal Credit is subject to credit approval as determined by the lender, Comenity Capital Bank, and is available to US customers who are of legal age in their state of residence. You must pay with PayPal Credit to get the offers. Minimum purchase required is before shipping and tax. Offers not valid on previous purchases, returns or exchanges.