PayPal Credit is an open end (revolving) credit card account that provides a reusable credit line built into your account with PayPal 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.

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.

You'll enjoy No Interest if paid in full in 6 months on purchases of $99.00 or more. 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 required.

No, it is not an introductory offer. It’s an offer that’s available on every purchase of $99.00 or more. 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 required.

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

Upon approval, your PayPal Credit account will be assigned a credit line of at least $250.00, based on your creditworthiness. You can confirm your credit line details by logging into your account.

Easy Payments is a promotional financing option with select merchants that may be subject to special, promotional repayment terms and/or APRs that allows you to pay for your PayPal Credit purchases in substantially equal monthly payments (subject to credit approval).

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.

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.

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.

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.

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 required.

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

Payment Security is an optional purchase that can cover your minimum monthly payments or entire PayPal Credit balance up to $10,000 after certain qualifying life events. You may cancel at any time. Whether or not you purchase Payment Security will not affect your credit terms of any existing credit card agreement you have with us.