PayPal Credit

More time to pay, less time to wait.


How It Works

Enjoy No Payments and 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 posting date (which is usually within a few days after the purchase date) if the purchase balance is not paid in full within 6 months.

Avoid Interest charges.

Log in to to check your account information at any time to keep track and make payments.
We’ll also email you when your monthly statement is ready to help you stay on top of your purchases.
Just be sure you pay the amount financed for this purchase in full by the promotion expiration date to avoid interest on this purchase.
You can even use the special financing offers on multiple purchases when you spend $99 or more on each individual transaction.
Multiple purchases of less than $99 per transaction cannot be combined to meet the minimum purchase amount.

You decide how to pay.

If you don’t want to pay before the promotional period ends, you will owe the interest that has accumulated at an Annual Percentage Rate (APR) of 19.99% starting from the posting date (which is usually within a few days after the purchase date).
This accumulated or deferred interest will get added onto your account balance when the promotional period for this purchase expires if the balance is not paid in full.
Deferred interest amounts and expiration dates are available online and on your statements, so you can stay in control of your money.
If approved, Comenity Capital Bank will extend credit to you for the amount financed to pay for your purchase. Comenity Capital Bank will pay the merchant on your behalf for the purchase.

About PayPal Credit

PayPal Credit is a reusable credit line available on purchases at thousands of stores that accept PayPal. It's also available for purchases on eBay and exclusively at thousands of other online stores. Plus, it comes with the same security and flexibility you trust from PayPal.
If approved, we start you off with a minimum credit line of at least $250.
The Annual Percentage Rate (APR) is 19.99% and the Minimum Interest Charge is $2.00.
If you miss a payment your late fee could be up to $35, even less if it's your first time.


Use Online

After completing the online application process simply choose to use PayPal at checkout. Easy? We thought so too.

Apply Now


Use In-Store

Already have PayPal Credit? Simply ask your salesperson in store to use your account and we will be able to walk you through the process on one of our in-store tablets.

Apply Now



What is PayPal Credit?

PayPal Credit is a credit line that is built in to your PayPal account. You can use PayPal Credit during PayPal checkout on eBay and almost everywhere PayPal is accepted. In fact, set it as your preferred payment method and you’ll speed through PayPal checkout even faster.

How does PayPal Credit work with PayPal?

The next time you check out with PayPal, simply select PayPal Credit as your payment method. Answer 2 quick questions: your birth date and your Social Security number. Approval takes only seconds. Once approved, PayPal Credit will automatically be added to your PayPal account .

Why should I use PayPal Credit for my PayPal purchases?

Get more time to pay when you check out with PayPal and pay with PayPal Credit at most places PayPal is accepted. Plus, score valuable discounts and offers, like special financing on purchases of $99 or more, when you use PayPal Credit. You can also review all of your purchases and pay your bill through

I already have a separate PayPal Credit account. How do I add it to my PayPal account?

It’s easy! Visit and follow the simple steps to easily link your PayPal Credit account to your PayPal account.

How do I pay my PayPal Credit bill?

Simply log in to On your Account Overview summary, you will see your current payment due for PayPal Credit. You can use your PayPal balance or your bank account, plus, you can pay in full or over time (interest charges may apply).

How does the "No Payments + No Interest if paid in full in 6 months" offer work?

You can choose to make no payments for 6 months. You will receive monthly statements and can make payments at any time. As long as you pay in full by the promotion expiration date, you will not be billed interest. If you do not pay in full, interest will be billed from the date of purchase.

Is there an annual fee to use PayPal Credit?

There is no annual fee for using PayPal Credit.

What is the Annual Percentage Rate?

The Annual Percentage Rate is 19.99%. The Minimum Finance Charge is $2.00. Of course, you can choose to pay your entire balance by the payment due date and pay no finance charges.

If I pay late, will there be a fee?

If a minimum payment is not received by your payment due date (found on your statement), you will be charged a late fee in the amount of the missed payment—up to $25 the first time you are late. Subsequent late payments will be charged a late fee up to $35.

Does PayPal Purchase Protection apply to my PayPal Credit purchases?

When you check out with PayPal and choose PayPal Credit as your payment method, the purchases are covered under PayPal's Purchase Protection program. See Eligibility.

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Do I have a credit line and how much is it?

Yes you do. Here's how it works: after you've been approved, Comenity Capital Bank will open a PayPal Credit account with a credit line equal to the amount of your purchase or $250, whichever is greater.

You can continue using PayPal Credit to make purchases. If those purchases cause your outstanding balance to exceed your credit line, then you will be evaluated for a credit line increase. This evaluation happens seamlessly during the checkout process. You don't need to do a thing. Best of all, your checkout won't be slowed down. Here's an example of how this works:

If your first purchase using PayPal Credit is $150, your initial credit line will be $250.

If you make another purchase for $300 before your bill is paid, PayPal Credit will determine during checkout if your credit line can be adjusted to $450.

If you then pay $350 toward your first bill, you will have $350 remaining on your credit line. If you want to make another purchase using PayPal Credit for more than $350, PayPal Credit will determine during checkout if your credit line can be adjusted again.

You can always continue to make additional purchases up to your outstanding credit line, and we will consider increasing your credit line when your purchase goes above it.

What does "Subject to Credit Approval" mean?

PayPal Credit is a line of credit provided by Comenity Capital Bank, an FDIC-insured, Utah-chartered, industrial bank. Comenity Capital Bank will review and consider your credit report and other credit-related information prior to opening your account and establishing your credit line. Creditworthiness is determined by Comenity Capital Bank and only takes a matter of seconds as part of the checkout process.

Do you review my credit report every time I make a purchase?

No, a credit report is reviewed when you apply for a PayPal Credit account and occasionally when you ask for an increase in your line of credit. Periodically, updates of your report are obtained, but these updates have no impact on your credit score. Your account is reviewed quarterly. If for any reason your credit line is reduced, you will be notified of the reason in writing.

How do I increase my credit line with PayPal Credit?

When you attempt to make a purchase for an amount above your credit line, it will be treated as a request for a credit line increase. Your eligibility for a credit line increase is determined by your credit history and customer history with PayPal Credit. This request happens seamlessly during the checkout process. You literally don't do anything on your end, and best of all, it won't slow down your checkout.

Where else can I use PayPal Credit?

PayPal Credit is available at most places PayPal is accepted. It is also available exclusively on thousands of other online stores that accept PayPal Credit.