PayPal Credit is a reusable credit line available on purchases at millions of stores that accept PayPal. 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. See FAQs for more info.

For New Accounts: Variable Purchase APR is 23.99%. The APR is accurate as of 3/1/2022 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00. See Terms and Conditions Tab for more info.

If you miss a payment your late fee could be up to $41, even less if it’s your first time. See FAQs for more info.

When you apply for PayPal Credit, you’ll be asked to provide your date of birth, your income after taxes, the last 4 digits of your Social Security number, and 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 account with PayPal and you’ll see it as a payment option every time you check out with PayPal.

You will need an account with PayPal to apply for PayPal Credit. Once you've signed up for PayPal, you can begin the application for PayPal Credit. Signing up for PayPal is free.

Sign up for PayPal and apply for PayPal Credit.

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

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

You can use PayPal Credit at millions of stores online where PayPal is accepted.

Enjoy No Interest if paid in full in 6 months on purchases of $99.00 or more when you check out with PayPal and pay with PayPal Credit. 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 are required. See terms, learn more about the benefits of PayPal Credit.

Yes, PayPal Credit is a reusable credit line and can be used for purchases less than $99.00.

If you pay your balance in full each month by the payment due date that is on your statement, you can avoid paying interest.

We’ll send you email reminders when your payments are due. You can also keep track of your account and view your statements online at any time.

You can also make minimum monthly payments, or any additional amount of your choosing until you’ve paid off your balance according to your standard account terms. Please note, that interest charges may apply.

A minimum monthly payment is required and may or may not pay off the promotional purchase by the end of the 6 month period.

No interest will be charged on the purchase if you pay it off in full within 6 months. If you do not, interest will be charged on the purchase from the purchase date at the Purchase APR applicable to your account.

For New Accounts: Variable Purchase APR is 23.99%. The APR is accurate as of 3/1/2022 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). The minimum interest charge is $2.00.

Individual items that are less than $99 qualify for special financing when combined for a total of $99 or more in a single transaction.

Multiple separate transactions of less than $99 per transaction cannot be combined to meet the minimum purchase amount.

See the current PayPal Credit Terms and Conditions

Yes! When you use the PayPal to send money, select PayPal Credit as the payment method. You may need to change the payment method if PayPal Credit isn’t already set as your preferred payment method. When you use PayPal Credit to send money in US dollars (USD), you’ll be charged the same fee that’s charged when you use a debit or credit card to send money with PayPal. Learn more about our fees.