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.
PayPal Credit Basics
What is PayPal Credit?
PayPal Credit is a line of credit offered by Comenity Capital Bank that gives you the flexibility to pay for your purchase now, or pay over time. It’s easy to apply and easy to use.
How do I apply for PayPal Credit?
When you choose to apply for PayPal Credit, you’ll be asked to provide your date of birth and your Social Security number, and then to agree to the terms and conditions. You’ll know within seconds if you are approved. And here’s the cool thing: your PayPal Credit account will be linked to your PayPal account and you’ll see it as a payment option every time you check out with PayPal.
Is there an annual fee to use PayPal Credit?
Nope! There is no annual fee to use PayPal Credit. See the Terms and Conditions.