
Finance your purchases now with PayPal Credit
Get approved for PayPal Credit quickly, and enjoy a secure online shopping experience.
Decision Made in Seconds
Receive PayPal Credit by answering a few questions. Decision on your qualification 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
Use PayPal Credit with your purchases whenever you need to without card numbers or expiration dates.
- Convenience: PayPal Credit allows you to shop now and pay over time, offering flexibility for larger purchases.
- Promotional Offers: Take advantage of interest-free financing on eligible purchases when paid off within the promotional period.
- Widespread Acceptance: Use it anywhere PayPal is accepted, making it easy to shop online.
- No Annual Fee: There are no additional yearly costs for using PayPal Credit.
- Application: When you apply for PayPal Credit, a hard inquiry is made on your credit report, which might temporarily impact your credit score.
- Usage: Regular use and timely payments can positively affect your credit score. Conversely, late payments may negatively impact it.
- Convenience: PayPal Credit allows you to shop now and pay over time, offering flexibility for larger purchases.
- Promotional Offers: Take advantage of interest-free financing on eligible purchases when paid off within the promotional period.
- Widespread Acceptance: Use it anywhere PayPal is accepted, making it easy to shop online.
- No Annual Fee: There are no additional yearly costs for using PayPal Credit.
- Select PayPal at Checkout: Choose PayPal as your payment method when shopping online.
- Choose PayPal Credit: On the PayPal payment page, select PayPal Credit as your preferred option.
- Complete the Purchase: Follow the prompts to finalize your order. If you’re not already approved for PayPal Credit, you may have the option to apply during checkout.
- Be at least 18 years old (19 in some jurisdictions).
- Reside in the U.S. or a qualifying region where PayPal Credit is offered.
- Have a PayPal account or be willing to create one.
- Pass a quick credit check during the application process. Approval is based on your creditworthiness.
- Secure Transactions: PayPal Credit benefits from PayPal’s robust encryption and fraud protection measures.
- Purchase Protection: Eligible purchases made with PayPal Credit are covered by PayPal’s Purchase Protection, ensuring you’re protected in case of unauthorized transactions or disputes with sellers.
- Trusted Brand: Managed by Synchrony Bank, PayPal Credit combines the reliability of a leading financial institution with PayPal’s trusted platform.
*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.