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Buy now, pay over time with PayPal Credit.

Shop with PayPal Credit's digital, reusable credit line anywhere PayPal is accepted and enjoy 6 months special financing on purchases of $99+. Just fill out a quick application, and get a credit decision in seconds.

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Subject to credit approval. See terms.
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Get No Interest if paid in full in 6 months on purchases of $99+.

Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months. Minimum monthly payments required. Subject to credit approval. See terms.

Enjoy quick access to convenient credit.

Get a Credit Decision In Seconds

Just answer a few quick questions, and you’ll know within seconds if you’re approved.

No Annual Fee^†

Buy now and pay over time year round with no annual fee.

See Terms and Conditions.

There When You Need It

If approved, PayPal Credit is automatically added to your account with PayPal. Check out in just a few clicks with no card numbers or expiration dates.

See how easy it is to apply.

Fill out a quick application and get a credit decision in seconds. If approved, shop instantly with PayPal Credit right from your account with PayPal.

Get the power to buy now and pay over time.

^†For New Accounts: Variable Purchase APR is 23.99%. The APR is accurate as of 3/1/2021 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00.

^*Limitations apply. This program is open only to eligible U.S. PayPal account owners. Once the service is activated, participants may receive up to 12 refunds (up to $30 per refund request) per calendar year (January 1 – December 31) on qualifying returns of tangible items returned in accordance with seller’s return policy. Other limitations apply.
See full terms and conditions.