Enjoy the magic of more time.

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.

Find Inspiration

Try something new.

When you get more time to pay, the possibilities are endless. PayPal Credit lets you get what you want out of life with more time to pay. You can use your credit line virtually everywhere PayPal is accepted, so there’s nothing holding you back.

Power Up

Power up with PayPal Credit.

When you shop with PayPal Credit, you don’t have to wait to get the things you want. You can enjoy immediate purchasing power, pay later and even take advantage of special financing offers. All so you can get what you want, when you want it.

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 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