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Financing


Pay now or over time with PayPal Credit.  No Interest if paid in full in 6 months on purchases of $99 or more.

  • Subject to credit approval.
  • Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months.
  • 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 25.74%. The APR is 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.
  • 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.


About PayPal Credit

  • PayPal Credit is a reusable credit line available on purchases at thousands of stores that accept PayPal. It's also available for purchases on eBay and exclusively at thousands of other online stores. 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 25.74%. The APR is 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.  See Terms and Conditions tab for more info.
  • If you miss a payment your late fee could be up to $38, even less if it's your first time.


Terms & Conditions of PayPal Credit

PayPal Credit is an open-end (revolving) credit card account offered by Synchrony Bank (the "Lender"). By applying for this account, you agree that: (1) You are providing your information to Lender and PayPal, Inc. and consent to Lender providing information about you (even if your application is declined) to PayPal, Inc. so they can create and update their records, and provide you with service and special offers. You authorize parties with whom you make a purchase to share your personal information, including email address, with Lender to use it for any lawful purpose. (2) Lender may obtain information, including employment and income information, from others about you (including requesting reports from consumer reporting agencies and other sources) to evaluate your application, and review, maintain or collect your account. (3) You have received, read and agree to these Terms and Conditions which will govern your account, including the Agreement to Arbitrate (which limits your rights), as well as the Privacy Policy. If you have an existing account, a new account may not be opened.