An approved PayPal Credit application will result in a hard credit inquiry, which may impact your credit score. Subject to credit approval.
PayPal Credit
Buy now and pay over time.
Apply with no impact to your credit score if declined. If approved, you can shop with PayPal Credit anywhere PayPal is accepted. Terms and conditions apply.
Purchases of $149 or more:
Get No Interest if paid in full in 6 months on purchases of $149 or more.
- Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months.
- If approved, we start you off with a minimum credit line of at least $250.
- A minimum monthly payment is required and may or may not pay off the promotional purchase by the end of the 6 month period.
- If you miss a payment, your late fee could be up to $41, even less if it's your first time.
- 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 and Cash APR is 31.39%. Variable Penalty APR is 35.99%. The APRs are accurate as of 9/1/2024 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00. For the current APR, see Terms and Conditions.
- Individual items that are less than $149 qualify for special financing when combined for a total of $149 or more in a single transaction.
- Multiple separate transactions of less than $149 per transaction cannot be combined to meet the minimum purchase amount.
Purchases of $148.99 or less:
Buy now and pay over time with PayPal Credit when you spend $148.99 or less.
- If approved, we start you off with a minimum credit line of at least $250.
- For New Accounts: Variable Purchase and Cash APR is 31.39%. Variable Penalty APR is 35.99%. The APRs are accurate as of 9/1/2024 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00. For the current APR, see Terms and Conditions.
- 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.
- If you miss a payment, your late fee could be up to $41, even less if it's your first time.
About PayPal Credit
Enjoy all of the benefits of PayPal Credit's digital, reusable credit line.
A flexible payment option
Pay now, or shop and pay over time.
Special financing
6 months special financing isn’t an intro offer. It’s an everyday benefit. You can pay over time, any time. Subject to credit approval. See terms.
Easy, fast checkout
There are no card numbers or expiration dates to enter, so you can complete purchases in just a few clicks.
Have more questions?
All in the new PayPal App
It’s your do-it-all digital wallet. Load up on cash back offers before you shop. Track your packages. And manage it all wherever you roll.
Scan the code or enter your number to get the app.
By clicking Send Link you agree to receive a text message with a link to the PayPal app. Message and data rates may apply.