Use PayPal Credit's digital, reusable credit line to shop online anywhere PayPal is accepted, and get 6 months special financing on purchases of $99+ every time you shop. Get a credit decision in seconds with a quick application.
Apply for PayPal CreditSubject to credit approval. See terms
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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
Whether you're buying the perfect gift or purchasing a new couch, PayPal Credit helps give you the flexibility to buy what you need when you need it.
Just answer a few quick questions, and you’ll know within seconds if you’re approved.
The convenience of buying now and paying over time has the added benefit of no annual fee.
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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.
PayPal Credit helps make it easier to fit purchases, big or small, in to your budget every time you shop at your favorite online stores where PayPal is accepted.
If your purchase doesn't match the exact description or doesn't arrive at all, we can refund the full purchase price plus original shipping costs.
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If you aren't happy with your order, we can refund the cost of sending it back.*
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Check out with just a tap by connecting with One Touch™.
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Fill out a quick application and get a credit decision in seconds. If approved, shop instantly with PayPal Credit right from your PayPal account.
†For New Accounts: Variable Purchase APR is 25.99%. The APR is accurate as of 9/1/2019 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 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.