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PayPal Credit


How do I use PayPal Credit?


You can use PayPal Credit just about anywhere PayPal is accepted.

To use PayPal Credit, simply checkout using PayPal and select PayPal Credit as your payment method. Learn more about how to use PayPal Credit.

What is PayPal Credit?

PayPal Credit is an open end (revolving) credit card account that provides a reusable credit line built into your PayPal account giving you the flexibility to pay for your purchases right away or pay over time. It’s easy to apply, easy to use and there whenever you need it. PayPal Credit is subject to credit approval and is offered by Synchrony Bank. View PayPal Credit Terms and Conditions.

How do I apply for PayPal Credit?

When you apply for PayPal Credit, you’ll be asked to provide your date of birth, your income after taxes and the last 4 digits of your Social Security number, and then to agree to the Terms and Conditions. You’ll know within seconds if you are approved. And here’s the cool thing: your PayPal Credit account will be linked to your PayPal account and you’ll see it as a payment option every time you check out with PayPal. Apply For PayPal Credit.

Is there an annual fee to use PayPal Credit?

No! There is no annual fee to use PayPal Credit. See the Terms and Conditions.

Why should I use PayPal Credit for my PayPal purchases?

Get No Interest if paid in full in 6 months on purchases of $99 or more when you check out with PayPal and pay with PayPal Credit. Minimum Monthly Payments are required during and after the 6 month promotional period. Plus, score valuable discounts and special financing offers when you use PayPal Credit. You can also review all of your purchases and pay your bill through PayPal.com. Learn more about the benefits of PayPal Credit.

Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months. Subject to credit approval. See Terms.

What if I do not currently have a PayPal account?

The first step of the PayPal Credit application process will ask you to sign into your PayPal account or give you the ability to sign up for one. Once you’ve signed up for a PayPal account, you can begin the application for PayPal Credit. Signing up for a PayPal account is free. Sign up for PayPal and apply for PayPal Credit.

Do I have a Credit Line and how much will it be?

Upon approval, your PayPal Credit account will be assigned a credit line of at least $250 based on your credit worthiness.

You can confirm your credit line details by logging into your account.

What is the Annual Percentage Rate (APR)?

For New Accounts: Variable Purchase APR is 25.74%. The APRs are accurate as of 9/1/2018 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00. Of course, you can choose to pay your entire balance by the payment due date each month to avoid interest charges. Learn more about the interest rate.

What does ‘Subject to Credit Approval’ mean?

Synchrony Bank will review and consider your credit report and other credit related information prior to opening your account and establishing your credit line. This process happens in a matter of seconds as part of the PayPal Credit application process.

Discover all the ways you can shop with 6 months special financing.



See how easy it is to use your reusable credit line.



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