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Special financing for up to 18 months with Bill Me Later®, a PayPal service.

Apply now or, choose Bill Me Later® during PayPaltm checkout.

Subject to credit approval.

Financing Offer Details More time to pay 6 months financing 12 months financing 18 months financing
Purchase Amount $0 - $98.99 $99 - $498.99 $499 - $898.99 $899 or more
Offer Type Standard purchases No Payments + No Interest if paid in full in 6 months No Interest if paid in full in 12 months No Interest if paid in full in 18 months
Minimum Monthly Payments Required Yes No Yes Yes
Financing Duration At least 25 days 6 months 12 months 18 months
Billing Statement Frequency Monthly Monthly Monthly Monthly

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6, 12 or 18 months. Subject to credit approval.

The accumulated or "deferred" interest will be added to your account balance when the promotional period for this purchase expires, if the balance is not paid in full. Interest will accumulate at an Annual Percentage Rate (APR) of 19.99% starting from the date of this purchase. If approved, WebBank will extend credit to you for the amount financed to pay for your purchase. WebBank also will pay the merchant on your behalf for the purchase. Offer expires December 31, 2012.

Learn more about Bill Me Later:

What is Bill Me Later?

  • Bill Me Later is a PayPal service that gives you more time to pay.
  • It’s fast and easy—no credit card to enter, and approval decision
    in seconds.
  • Easily manage your Bill Me Later purchases and schedule payments through PayPal.com.
  • The lender of Bill Me Later accounts is WebBank, Salt Lake City, Utah.

View Bill Me Later Terms and Conditions

Important information for your Bill Me Later account.

  • You’ll start with a credit line of at least $250.
  • If you happen to pay late, you could receive a late fee of up to $35.
  • Annual Percentage Rate of 19.99%.
  • Minimum Interest Charge is $2.00.

Use Bill Me Later with your PayPal account.

  • Check out with PayPal and then choose Bill Me Later.
  • Answer 2 quick questions and accept the terms.
  • Look for your Bill Me Later monthly statement via email.

Protect your purchases.

Shop confidently with eBay Buyer Protection. (see eligibility)

FAQs

What is Bill Me Later?

Bill Me Later is a simple, flexible credit line that is built in to your PayPal account. You can use Bill Me Later during PayPal checkout on eBay and most places PayPal is accepted. Set it as your preferred payment method and you'll speed through PayPal checkout even faster.

How do I start using Bill Me Later?

The next time you check out with PayPal, simply select Bill Me Later as your payment method. Answer 2 quick questions: your birth date and the last 4 digits of your Social Security number. Get an approval decision in seconds.

How does Bill Me Later work with PayPal?

The next time you check out with PayPal, simply select Bill Me Later as your payment method. Answer 2 quick questions: your birth date and the last 4 digits of your Social Security number. Get an approval decision in seconds. Once approved, Bill Me Later will automatically be added to your PayPal account (If you have an existing Bill Me Later account, it will automatically be added to your PayPal account once you complete your purchase).

Why should I use Bill Me Later for my PayPal purchases?

Get more time to pay when you check out with PayPal and pay with Bill Me Later at most places PayPal is accepted. Plus, score valuable discounts and offers, like special financing on purchases of $99 or more, when you use Bill Me Later. You can also review all of your purchases and pay your bill through PayPal.com.

I already have a separate Bill Me Later account. How do I add it to my PayPal account?

It's easy! Visit https://www.billmelater.com/linkpaypal/index.html and follow the simple steps to easily link your Bill Me Later account to your PayPal account.

How do I pay my Bill Me Later bill?

We'll send you an email when your monthly statement is ready. Simply log in to PayPal.com. On your Account Overview summary, you will see your current Bill Me Later balance. You can use your PayPal balance or your bank account, plus, you can pay in full or over time (interest charges may apply).

Is Bill Me Later available for all items on eBay?

Bill Me Later can be used for most purchases on eBay except in the following categories: adult, digital goods, weapons, alcohol, and vehicles (Bill Me Later is available for parts and accessories).

How does the "No Payments + No Interest if paid in full in 6 months" offer work?

Make no payments for 6 months. You will receive monthly statements and can make payments at any time. As long as you pay in full by the promotion expiration date, you will not be billed Interest. If you do not pay in full, Interest will be billed from the date of purchase.

How does the "No Interest if paid in full in 12 months" offer work?

You will receive monthly statements and will be required to make at least the minimum monthly payment displayed on your billing statement each month during the promotional period. As long as you pay in full by the promotion expiration date (within 12 months on eligible Bill Me Later purchases of $499-$898), you will not be billed Interest. If you do not pay in full, Interest will be billed from the date of purchase. (Minimum monthly payments are required.)

How does the "No Interest if paid in full for 18 Months" offer work?

You will receive monthly statements and will be required to make at least the minimum monthly payment displayed on your billing statement each month during the promotional period. As long as you pay in full by the promotion expiration date (within 18 months on eligible Bill Me Later purchases of $899 or more), you will not be billed Interest. If you do not pay in full, Interest will be billed from the date of purchase. (Minimum monthly payments are required.)

Is there an annual fee to use Bill Me Later?

There is no annual fee for using Bill Me Later.

What is the Annual Percentage Rate?

The Annual Percentage Rate is 19.99%. The Minimum Finance Charge is $2.00. Of course, you can choose to pay your entire balance by the payment due date and pay no finance charges.

If I pay late, will there be a fee?

If a minimum payment is not received by your payment due date (found on your statement), you will be charged a late fee in the amount of the missed payment—up to $25 the first time you are late. Subsequent late payments will be charged a late fee up to $35.

Does PayPal Purchase Protection apply to my Bill Me Later purchases?

When you check out with PayPal and choose Bill Me Later as your funding source, the purchases are covered under PayPal's Purchase Protection program. See Eligibility.

Do I have a credit line and how much is it?

Yes you do. Here's how it works: after you've been approved, WebBank will open a Bill Me Later account with a credit line equal to the amount of your purchase or $250, whichever is greater.

You can continue using Bill Me Later to make purchases. If those purchases cause your outstanding balance to exceed your credit line, then you will be evaluated for a credit line increase. This evaluation happens seamlessly during the checkout process. You don't need to do a thing. Best of all, your checkout won't be slowed down.

Here's an example of how this works:

  • If your first purchase using Bill Me Later is $150, your initial credit line will be $250.
  • If you make another purchase for $300 before your bill is paid, Bill Me Later will determine during checkout if your credit line can be adjusted to $450.
  • If you then pay $350 toward your first bill, you will have $350 remaining on your credit line. If you want to make another purchase using Bill Me Later for more than $350, Bill Me Later will determine during checkout if your credit line can be adjusted again.

You can always continue to make additional purchases up to your outstanding credit line, and we will consider increasing your credit line when your purchase goes above it.

What does "Subject to Credit Approval" mean?

Bill Me Later is a line of credit provided by WebBank, an FDIC-insured, Utah-chartered, industrial bank located in Salt Lake City, Utah. WebBank will review and consider your credit report and other credit-related information prior to opening your account and establishing your credit line. Creditworthiness is determined by WebBank and only takes a matter of seconds as part of the checkout process.

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

No, a credit report is reviewed when you apply for a Bill Me Later account and occasionally when you ask for an increase in your line of credit. Periodically, updates of your report are obtained, but these updates have no impact on your credit score. Your account is reviewed quarterly. If for any reason your credit line is reduced, you will be notified of the reason in writing.

How do I increase my credit line with Bill Me Later?

When you attempt to make a purchase for an amount above your credit line, it will be treated as a request for a credit line increase. Your eligibility for a credit line increase is determined by your credit history and customer history with Bill Me Later. This request happens seamlessly during the checkout process. You literally don't do anything on your end, and best of all, it won't slow down your checkout.

Where else can I use Bill Me Later?

Bill Me Later is available at most places PayPal is accepted. It is also available exclusively on thousands of other online stores that accept Bill Me Later.