It's fast and easy to apply

    1. At the shopping cart page, just click the PayPal Credit button that looks like this:

    2. Answer the 2 quick questions and accept the terms to apply. You'll know within seconds if you are approved.

PayPal Credit Frequently Asked Questions

  • What is PayPal Credit?
    PayPal Credit is a line of credit that gives you the flexibility to pay for your purchase now, or pay over time. It's quick to apply and easy to use.

  • How does PayPal Credit work?
    You can use PayPal Credit on purchases at thousands of stores that accept PayPal, including It's also available for purchases on eBay and exclusively at thousands of other online stores.

  • How does the “No Payments + No Interest if paid in full in 6 Months” offer work?
    You'll have the option to make no payments for 6 months on qualifying purchases, subject to credit approval. As long as you pay in full by the promotion expiration date, you will not be billed interest for that purchase. If you do not pay in full, interest will be calculated from the posting date and will be billed to your account.

  • 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 are not responsible for unauthorized charges. And we verify your identity with top-of-mind information such as your date of birth and the last four digits of your Social Security number, so there's no account number that can be lost or stolen.

  • Is there an annual fee to use PayPal Credit?
    No, there is no annual fee to use PayPal Credit.

  • How do I pay my PayPal Credit bill?
    For your convenience, you can make payments online at your PayPal Credit account. You can pay your balance from either your PayPal balance or your bank account. You can also pay by mail by sending your check or money order to PayPal Credit, P.O. Box 105658. Atlanta, GA 30348-5658. Please make checks out to “PayPal Credit.”

  • What if I have additional questions?
    Please refer to PayPal Credit for any additional questions by clicking here.