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PayPal Credit

Pay now or pay over time.
Just select PayPal Credit at checkout.

Subject to credit approval.

Purchases of $99+:

No Interest if paid in full in 6 months on purchases of $99 or more.

  • Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months.
  • A minimum monthly payment is required and may or may not pay off the promotional purchase by the end of the 6 month period.
  • 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 APR is 23.99%. The APR is accurate as of 9/1/2020 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00.
  • Individual items that are less than $99 qualify for special financing when combined for a total of $99 or more in a single transaction.
  • Multiple separate transactions of less than $99 per transaction cannot be combined to meet the minimum purchase amount.

Purchases of $98.99 or less:

Buy now and pay over time with PayPal Credit when you spend $98.99 or less.

  • 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.
  • PayPal will 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.

About PayPal Credit

PayPal Credit is a digital, reusable credit line available to purchase goods and services from thousands of online stores. Use PayPal Credit to shop anywhere PayPal is accepted.

Purchase Protection

If your purchase doesn't match the exact description or doesn't arrive at all, PayPal can refund the full purchase price plus original shipping costs.
See Terms and Limitations.

Free Return Shipping

If you aren't happy with your order, PayPal can refund the cost of sending it back.*
See Limitations and Learn More.

Fast Checkout

With no card numbers or expiration dates, check out anywhere PayPal is accepted in just a few clicks.

No Annual Fee

The convenience of buying now and paying over time has the added benefit of no annual fee.
See Terms and Conditions.

Additional Information.

  • If approved, PayPal will start you off with a minimum credit line of at least $250.
  • For New Accounts: Variable Purchase APR is 23.99%. The APR is accurate as of 9/1/2020 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00.
  • If you miss a payment your late fee could be up to $40, even less if it's your first time.

Click here to apply for PayPal Credit and view the Terms and Conditions

PayPal Credit is subject to credit approval as determined by the lender, Synchrony Bank, and is available to US customers who are of legal age in their state of residence. You must pay with PayPal Credit to get the offers. Minimum purchase required is before shipping and tax. Offers not valid on previous purchases, returns or exchanges.

Have more questions?

*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.

Copyright 2020 Bill Me Later, Inc. All rights reserved. The lender for PayPal Credit accounts is Synchrony Bank.