Buy now, pay over time with PayPal Credit.

Use PayPal Credit's digital, reusable credit line to shop online anywhere PayPal is accepted, and get 6 months special financing on purchases of $99+ every time you shop. Get a credit decision in seconds with a quick application.

Apply for PayPal Credit

Subject to credit approval. See terms
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No Interest if paid in full in 6 months on purchases of $99+.

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

Whether you're buying the perfect gift or purchasing a new couch, PayPal Credit helps give you the flexibility to buy what you need when you need it.

Enjoy quick access to convenient credit for purchases that just can't wait.

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†

The convenience of buying now and paying over time has the added benefit of no annual fee.
See Terms and Conditions

There When You Need It

If approved, PayPal Credit is automatically added to your PayPal wallet. Check out in just a few clicks with no card numbers or expiration dates.

Accepted at thousands of online stores.

PayPal Credit helps make it easier to fit purchases, big or small, into your budget every time you shop at your favorite online stores where PayPal is accepted.


Everything you love about PayPal – and more.

Get all the benefits of PayPal when you shop with PayPal Credit.

Purchase Protection

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

Return shipping on us

If you aren't happy with your order, we can refund the cost of sending it back.*
See Limitations and Learn More

One Touch™

Check out with just the touch of a button by connecting PayPal Credit with One Touch™.
Learn More

Applying is simple.

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

Buy now, pay over time.

Apply for PayPal Credit

Still have questions?

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