How to buy with PayPal Credit

Buy now, pay over time with PayPal Credit.

Shop with PayPal Credit's digital, reusable credit line anywhere PayPal is accepted and enjoy 6 months special financing on purchases of $99.00+. Just fill out a quick application, and get a credit decision in seconds.

Subject to credit approval. See terms.

Already a PayPal Credit customer? Explore Your Account

Get No Interest if paid in full in 6 months on purchases of $99.00+.

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.

Enjoy quick access to convenient credit.

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

Buy now and pay over time year round with no annual fee.
See Terms and Conditions.

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.

It's everything you love about PayPal–and more.

Enjoy all the benefits of PayPal and PayPal Credit when you shop with your reusable, digital credit line.

Purchase Protection

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

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.

If you have a current PayPal Credit account that is not linked to an account with PayPal, you need to link your accounts to enjoy all the benefits of PayPal. Link My Accounts.

See how easy it is to apply.

Fill out a quick application and get a credit decision in seconds. If approved, shop instantly with PayPal Credit right from your account with PayPal.

Get the power to buy now and pay over time.

Still have questions? Visit the PayPal FAQs

For New Accounts: Variable Purchase APR is 26.24%. The APR is accurate as of 9/1/2022 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00.