Turn browsers into buyers.

When your customers check out with PayPal and choose PayPal Credit, they get access to financing for 6 months on purchases of $99 or more. Subject to credit approval.1

Customers spend more

When shoppers have more time to pay they tend to buy more, and more often.

Increased sales

Advertising more time to pay with PayPal Credit can help lift sales up to 18%.2

More repeat shoppers

93% of first-time PayPal Credit users said they would use PayPal Credit again.3

2.9% + $0.30 per transaction

There’s no extra charge for customer financing. PayPal Credit is free to offer and advertise to your customers and is already included in most PayPal payment solutions. You pay your normal transaction fee of 2.9% + $0.30 per transaction.

Learn about fees

Banners are free to use and easy to add

When you use our free banner ads to inform your customers they have the option of financing their purchases while they are shopping you can encourage additional purchases – and larger amounts. We even provide recommendations on best placements.

More payment options means happier customers.



More flexibility

Many consumers want the flexibility to pay over time. PayPal Credit helps you give them what they want.

Simple approval process

During checkout on your website, customers select the PayPal Credit option, enter two pieces of information, accept the terms, and receive a decision in seconds.

Frequently Asked Questions

How do I add PayPal Credit to my website?

We’d love to help you add PayPal Credit to your website. To help us choose the best product integration for you, please call us at 877-419-6879.

When do I get paid if my customers pay using PayPal Credit?

You get paid up front, even though your customers have more time to pay. Payments usually show up in your PayPal account within minutes, just like any other PayPal transaction made with a credit or debit card.

What are the benefits of PayPal Credit to my customers?

PayPal Credit allows your customers to pay for their purchases without entering credit card numbers or sharing personal financial details with you. It’s convenient and secure. And best of all, PayPal Credit customers get more time to pay by taking advantage of special financing programs, or by choosing to take extra time on non-promotional purchases and paying a competitive interest rate.

What is the PayPal banner ad program?

PayPal offers free banner ads that you can place on your website, in emails, and on your eBay store. These banner ads tell your customers they can get 6 months financing on purchases of $99 or more through PayPal Credit.1 And even though your customers get more time to pay, you get paid up front. The ads are free to use, so you don’t pay anything beyond what you're already paying for PayPal payment processing. To take advantage of the 6 months financing offer, your customers simply select PayPal Credit as their funding method during checkout.

Setup is easy: Just copy and paste a few lines of code to place banner ads on your website, in email communications, or on your eBay store. If you have a PayPal account, you can sign on using the same email address and password you would normally use for PayPal. If you're not using PayPal to accept payments on your website, you'll need to set up a PayPal account with a qualifying PayPal product before you can participate in the PayPal Financing program.

Need help with PayPal Credit?


Visit the Advertise Financing portal to set up your account and access your free, ready-made banner ads.

Go to the Advertise Financing Portal


Need help with an existing PayPal Business account?
1-888-221-1161

My average order value jumped significantly during the holiday season-thanks, in large part, to [PayPal Credit]. I put banners on my site to let customers know they could finance their purchases, and that helped drive larger orders.

- Wesley McMahon A Main Hobbies

Start advertising and selling more with financing today.

Choose Your Banners


Sign up: 1-855-787-9088
Support: 1-888-221-1161

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