Enjoy quick access to convenient credit.
Get a Credit Decision In Seconds
Just answer a few quick questions, and you’ll know within seconds if you’re approved.
There When You Need It
If approved, PayPal Credit is automatically added to your account with PayPal. Check out in just a few clicks with no card numbers or expiration dates.
Pay over time at millions of stores online.
PayPal Credit helps give you the flexibility to buy what you need when you need it wherever PayPal is accepted.
See how easy it is to apply.
Fill out a quick application and get a credit decision in seconds. If approved, shop instantly with PayPal Credit right from your account with PayPal.
Get the power to buy now and pay over time.
†For New Accounts: Variable Purchase APR is 23.99%. The APR is accurate as of 3/1/2021 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00.
*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 per refund request) per calendar year (January 1 – December 31) on qualifying returns of tangible items returned in accordance with seller’s return policy. Other limitations apply.
See full terms and conditions.