PayPal Credit

No Interest if paid in full in 6 months on purchases of $99 or more when you checkout with PayPal and choose PayPal Credit.
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.

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 25.49%. The APR is accurate as of 3/1/2020 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.
  • We’ll 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.

Why PayPal Credit is a Smart Choice

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

Access to Instant Financing

PayPal Credit offers instant financing so you can make larger purchases without worrying about immediate payments. Because it’s connected directly to your PayPal account, using this service is as simple as clicking a button during checkout. However, it’s important to understand the interest rates that apply if you don’t pay off the balance within the promotional period.


Flexible Payment Plans

One of the biggest advantages of PayPal Credit is its flexible payment plans. You can choose how much to spend and repay over time, which makes budgeting easier. For example, many retailers offer no-interest promotions when you use PayPal Credit, but only if you clear the entire amount before the promotion ends. So, always check the terms carefully before committing.


Security and Convenience

Using PayPal Credit also means added security because your financial details are kept private from merchants. Instead of entering your credit card information every time, you rely on PayPal's trusted platform. Plus, managing transactions through one centralized dashboard saves time and effort. Because everything is in one place, tracking expenses becomes effortless, helping you stay organized.