Pay now or pay over time with PayPal Credit.
Just use PayPal Credit in PayPal checkout.
Subject to credit approval.
Purchases of $99+:
No Interest if paid in full in 6 months on purchases of $99 or more.
Purchases of $98.99 or less:
Buy now and pay over time with PayPal Credit when you spend $98.99 or less.
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.
More payment flexibility
Pay now or over time. You decide what's best for you. Plus PayPal Credit delivers the same trust, security, and flexibility that you get from PayPal.
Get Special Financing
Whether you're buying the perfect gift or purchasing a new couch, you can get 6 months special financing on purchases of $99 or more. The best part? This isn't a one-time offer.
Easy, fast checkout
There's no credit card needed, and no account numbers to enter. Simply choose PayPal Credit as your preferred way to pay when checking out with PayPal.
If something goes wrong with your order, PayPal will reimburse you for the full purchase price plus any original shipping costs. (See limitations and learn more).
- If approved, we start you off with a minimum credit line of at least $250.
- For New Accounts: Variable Purchase APR is 25.99%. The APR is accurate as of 9/1/2019 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 $39, 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.