Enjoy the magic of more time.

Get What You Want

Get it now, pay for it later.

PayPal Credit is a convenient, revolving line of credit that you can use virtually anywhere PayPal is accepted. The funds are available when you need them, so you can make purchases without delay and enjoy more time to pay.

Treat Someone

Something for them. And you.

Find just the right gift, along with the right way to pay. When you shop with PayPal Credit, you can break your payments up over time using Easy Payments with PayPal Credit, or receive more time to pay with special financing offers.

Shop Where You Want

There when you need it.

You can use PayPal Credit at thousands of merchants, both online and in-store, to enjoy the perks of more time to pay. Plus, with special offers at selected retailers and flexible financing options, you can shop with confidence knowing you get the best savings along with payments that work for you.

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