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

How it Works

1. Add to Cart

Browse through our products and add it to your shopping cart.

2. Secure Checkout

At checkout, you’ll have the option to select PayPal Credit as your payment method. You can also set PayPal Credit as your preferred way to pay.

3. Apply for Credit

You will be redirected to PayPal, follow the steps provided to apply.

4. Order Complete

Once your credit is complete, we will process your order automatically.

Your PayPal Credit account is always at your fingertips

PayPal Credit is accessible from any device 24/7, so you can easily manage your account online or on the PayPal mobile app.

How does the "No Interest if paid in full in 6 months on purchases of $99 or more" offer work?

You'll have the option to pay No Interest for 6 months, on qualifying purchases of $99 or more. As long as you pay in full by the promotion expiration date, you will not be billed interest for that purchase. Minimum payments are required. If you do not pay in full, interest will be charged from the purchase date and will be billed to your account. You must pay in full to avoid accrued interest from the purchase date and you must make your minimum payment requirements to avoid late charges.

Frequently Asked Questions

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.

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.

Is there an annual fee to use PayPal Credit?

No! There is no annual fee to use PayPal Credit.

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.

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.

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.

How are my minimum monthly payments calculated?

Minimum monthly payments are required in accordance with the standard account terms. It is very important to note that the required minimum monthly payments may or may not pay off your purchase by the end of the promotional period. If you want to ensure that your purchase is paid before the end of the promotional period (to avoid interest), you should schedule additional or larger payments accordingly.

Does PayPal Credit protect me from liability for unauthorized charges?

Yes! PayPal Credit provides zero fraud liability protection, the same protection provided by most major credit cards. This means you’re not responsible for unauthorized charges.

Do you check my credit report every time I make a purchase?

No. A credit report is only reviewed when you apply for PayPal Credit. Periodically, PayPal will obtain updates of your report, but these updates have no impact on your credit score.

What is the interest rate and will it change?

Interest will be charged to your account from the purchase date if the promotional purchase balance is not paid in full within the promotional period. Although interest will accrue at the standard rate applicable to your account, it will only be assessed and added to your account as a lump sum at the end of the promotional period if the promotional purchase balance is not paid in full by the expiration date shown on your statement.

How do I avoid paying interest?

To avoid paying interest, be sure to pay your promotional purchase balance by the expiration date. Pay your promotional balance in full before the end of the promotional period to avoid interest. If you do not make a payment on time, you will be charged a late fee.

Is there a fee for late payments?

Yes, you will be charged a late fee for each month that the minimum payment is not paid by the payment due date. The first time you’re late, the amount of the late fee will be the same amount as the missed payment, up to $27. If you’re late again, the late fee will be up to $38. However, the late fee will not exceed $5 if the minimum payment due is less than $27.

How do I pay my PayPal Credit bill?

You’ll receive monthly statements and can choose to pay in full or over time (interest charges may apply). At any time you can choose to make a one time payment or schedule automatic payments towards your balance due from either your PayPal balance or your linked bank account conveniently on

Is there a number I can call if I have additional questions?

Yes there is. PayPal customer service department is available to assist you with your PayPal Credit related issues. Please call PayPal at 1-866-528-3733 and they will do their best to help.

PayPal Service Hours are:
Monday - Friday: 8 AM - 11 PM Eastern Time
Saturday - Sunday: 9 AM - 9 PM Eastern Time

PayPal Credit Frequently Asked Questions

For the full PayPal Credit FAQ please visit