Finance & Make Low Monthly Payments

Shop online with PayPal Credit and get 6 months of special financing with purchases over $99.

Choose the Best Financing Option with PayPal Credit

Get approved for PayPal Credit quickly, and enjoy a secure online shipping experience.

  • Decision Made in Seconds

    Receive PayPal Credit by answering a few questions. Decision on your qualification for PayPal Credit is provided within a few seconds.

  • No Annual Fee*

    Create your purchase now and pay over time throughout the year with no annual fee. Terms and Conditions apply.*

  • Apply Once

    If you are approved for PayPal Credit, it will be added to your account. Use PayPal Credit with your purchases whenever you need to without card numbers or expiration dates.

Common Questions

What is PayPal Credit?

PayPal Credit is a digital, reusable credit line. It is available to PayPal users to pay for goods and services offered by thousands of online stores. PayPal Credit can be used anywhere where PayPal is accepted as a payment method.

Why buy with PayPal Credit?

PayPal Credit lets you make purchases now and pay for them over a period of time. Get the same benefits and security as when you are using PayPal.

Am I eligible to buy with PayPal Credit?

In order to see whether you are eligible to purchase using PayPal Credit, apply for the service and get an answer within a few seconds. For PayPal Credit, you only need to apply once and it will be added to your PayPal account after that.

Does using PayPal Credit impact my credit score?

Yes, applying and using PayPal Credit affects your credit score.

How can I checkout with PayPal Credit?

During the checkout, click on the option for PayPal and select the PayPal Credit as your payment method.

Is using PayPal Credit safe?

Yes, using PayPal Credit is safe.

What is financing?

Financing allows you to make your purchase now and pay for the purchased items over time.

*Limitations apply. This program is open only to eligible U.S. PayPal account owners. Once the service is activated, participants may receive up to 12 refunds (up to $30.00 per refund request) per calendar year (January 1 – December 31) on qualifying returns of tangible items returned in accordance with the seller's return policy. Other limitations apply.


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