Pay now or pay over time with PayPal Credit. Just use PayPal Credit in PayPal checkout.

Subject to credit approval.

Purchases of $99.00+:

No Interest if paid in full in 6 months on purchases of $99.00 or more.

  • Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months.
  • A minimum monthly payment is required and may or may not pay off the promotional purchase by the end of the 6 month period.
  • No interest will be charged on the purchase if you pay it off in full within 6 months. If you do not, interest will be charged on the purchase from the purchase date at the Purchase APR applicable to your account.
  • For New Accounts: Variable Purchase APR is 26.24%. The APR is accurate as of 9/1/2022 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00.
  • Individual items that are less than $99.00 qualify for special financing when combined for a total of $99.00 or more in a single transaction.
  • Multiple separate transactions of less than $99.00 per transaction cannot be combined to meet the minimum purchase amount.

Purchases of $98.99 or less:

Buy now and pay over time with PayPal Credit when you spend $98.99 or less.

  • If you pay your balance in full each month by the payment due date that is on your statement, you can avoid paying interest.
  • Or, make minimum monthly payments, or any additional amount of your choosing, until you’ve paid off your balance according to your standard account terms. Please note, interest charges may apply.
  • We’ll send you email reminders when your payments are due. You can also keep track of your account and view your statements online at any time.

About PayPal Credit

PayPal Credit is a digital, reusable credit line available to purchase goods and services from thousands of online stores. Use PayPal Credit to shop anywhere PayPal is accepted.

More payment flexibility

Pay now or over time. You decide what's best for you. Plus PayPal Credit delivers the same trust, security, and flexibility that you get from PayPal.

Get Special Financing

Whether you're buying the perfect gift or purchasing a new couch, you can get 6 months special financing on purchases of $99.00 or more. The best part? This isn't a one-time offer.

Easy, fast checkout

There's no credit card needed, and no account numbers to enter. Simply choose PayPal Credit as your preferred way to pay when checking out with PayPal.

Purchase Protection

If something goes wrong with your order, PayPal will reimburse you for the full purchase price plus any original shipping costs. (See limitations and learn more).

Additional information.

  • If approved, we start you off with a minimum credit line of at least $250.00.
  • For New Accounts: Variable Purchase APR is 26.24%. The APR is accurate as of 9/1/2022 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00.
  • If you miss a payment your late fee could be up to $41.00, even less if it's your first time.

Click here to apply for PayPal Credit and view the Terms and Conditions

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

Have more questions?

Visit Our FAQs

Copyright 2022 Bill Me Later, Inc. All rights reserved. The lender for PayPal Credit accounts is Synchrony Bank.

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