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PayPal Credit
Buy now, pay over time with PayPal Credit.
Use PayPal Credit's digital, reusable credit line to shop online 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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PayPal Credit | How it Works
Why Should I Use PayPal Credit?
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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*
The convenience of buying now and paying over time has the added benefit of no annual fee. -
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. -
No Interest if paid in full in 6 months on purchases of $99+**
PayPal Credit helps give you the flexibility to buy what you need when you need it.
*See Terms and Conditions
**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.