Use PayPal Credit's digital, reusable credit line to shop online anywhere PayPal is accepted, and get 6 months special financing on purchases of $99+ every time you shop. Get a credit decision in seconds with a quick application.
Subject to credit approval. See Terms
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0% 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
Whether you're buying the perfect gift or purchasing a new couch, PayPal Credit helps give you the flexibility to buy what you need when you need it.
Just answer a few quick questions, and you’ll know within seconds if you’re approved.
The convenience of buying now and paying over time has the added benefit of no annual fee.
See Terms and Conditions
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.
Get all the benefits of PayPal when you shop with PayPal Credit.
If your purchase doesn't match the exact description or doesn't arrive at all, we can refund the full purchase price plus original shipping costs.
See Terms and Limitations
If you aren't happy with your order, we can refund the cost of sending it back.
See Limitations and Learn More"I like that [PayPal Credit] allows me to pay for large purchases over time. Hotel reservations, airfare, event tickets – I can plan and purchase everything well in advance, then have it paid off before I take the trip."
–Caylen R."Convenience is unmatched and repayment terms are very attractive."
–Todd F."[PayPal Credit is] very convenient for booking travel, flights, and making other online purchases without using a credit card."
–Amy G."It is so easy to use PayPal Credit and you have all the security associated with PayPal."
–Todd L.Fill out a quick application and get a credit decision in seconds. If approved, shop instantly with PayPal Credit right from your PayPal account.
*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.
