Bill Me Later® is now PayPal Credit. Learn more

Special financing options:

Buy now and pay over time with PayPal Credit when you spend up to $98.99.

You choose how to pay:


Enjoy No Payments and No Interest if paid in full in 6 months on PayPal Credit purchases of $99 – $498.99. Simply choose PayPal Credit when you check out with PayPal.

Interest will be charged to your account from the posting date (which is usually within a few days after the purchase date) if the purchase balance is not paid in full within 6 months.
Offer valid on purchases made by March 31, 2015.

Avoid interest charges.

  • Log in to PayPal.com to check your account information at any time to keep track and make payments.
  • We'll also email you when your monthly statement is ready to help you stay on top of your purchases.
  • Just be sure you pay the amount financed for this purchase in full by the promotion expiration date to avoid interest on this purchase.
  • You can even use the special financing offers on multiple purchases when you spend $99 or more on each individual transaction.
  • Multiple purchases of less than $99 per transaction cannot be combined to meet the minimum purchase amount.

You decide how to pay.

  • If you don't want to pay before the promotional period ends, you will owe the interest that has accumulated at an Annual Percentage Rate (APR) of 19.99% starting from the posting date (which is usually within a few days after the purchase date).
  • This accumulated or deferred interest will get added onto your account balance when the promotional period for this purchase expires if the balance is not paid in full.
  • Deferred interest amounts and expiration dates are available online and on your statements, so you can stay in control of your money.

If approved, Comenity Capital Bank will extend credit to you for the amount financed to pay for your purchase. Comenity Capital Bank will pay the merchant on your behalf for the purchase.


Enjoy No Interest if paid in full in 12 months on PayPal Credit purchases of $499 or more. (Minimum monthly payments required.)

Interest will be charged to your account from the posting date (which is usually within a few days after the purchase date) if the purchase balance is not paid in full within 12 months.
Offer valid on purchases made by March 31, 2015.

Avoid interest charges.

  • Make your minimum monthly payments by the due date each month.
  • Log in to PayPal.com to check your account information at any time to keep track and make payments.
  • We'll also email you when your monthly statement is ready to help you stay on top of your purchases.
  • Just be sure you pay the amount financed for this purchase in full by the promotion expiration date to avoid interest on this purchase.

You decide how to pay.

  • If you don't want to pay before the promotional period ends, you will owe the interest that has accumulated at an Annual Percentage Rate (APR) of 19.99% starting from the posting date (which is usually within a few days after the purchase date).
  • This accumulated or deferred interest will get added onto your account balance when the promotional period for this purchase expires if the balance is not paid in full.
  • Deferred interest amounts and expiration dates are available online and on your statements, so you can stay in control of your money.

If approved, Comenity Capital Bank will extend credit to you for the amount financed to pay for your purchase. Comenity Capital Bank will pay the merchant on your behalf for the purchase.


Exclusive Bonus Offers

$10 back on your first PayPal Credit purchase


Earn an extra $10 in eBay Bucks on first PayPal Credit purchase.


Earn 50% more in eBay Bucks, that's an extra 1%.

About PayPal Credit

PayPal Credit is a reusable credit line available on purchases at thousands of stores that accept PayPal. It's also available for purchases on eBay and exclusively at thousands of other online stores. Plus, it comes with the same security and flexibility you trust from PayPal.

Get more with PayPal Credit:

More payment flexibility.

Pay now or over time. You decide what's best for you.

Manage your accounts in one place.

By simply logging into PayPal.com, you can keep track of all your PayPal and PayPal Credit transactions at any time. Plus, we will email you when your monthly statement is ready so you can stay on top of your payments. If you don't have a PayPal account, it's easy to sign up at PayPal.com.

Easy, fast checkout.

There's no credit card needed, and no account numbers to enter. Get in, get out and get on with your life.

Enhanced security.

It's safer and more secure. Eligible purchases are backed by PayPal Purchase Protection.
(See eligibility)

Additional information.

  • If approved, we start you off with a minimum credit line of at least $250.
    See FAQ for more info.
  • The Annual Percentage Rate (APR) is 19.99% and the Minimum Interest charge is $2.00.
    See terms
  • If you miss a payment your late fee could be up to $35, even less if it's your first time.
    See FAQ for more info.

Click here to view the PayPal Credit Terms and Conditions

PayPal Credit is subject to credit approval as determined by the lender, Comenity Capital Bank, and is available to US customers who are of legal age in their state of residence. You must pay with PayPal Credit to get the offers. Minimum purchase required is before shipping and tax. Offers not valid on previous purchases, returns or exchanges. Promotional offers may not be available for purchases made on a mobile device.

Frequently Asked Questions

+ What is PayPal Credit?

PayPal Credit is a line of credit from Comenity Capital Bank that gives you the flexibility to pay for your purchase now, or pay over time. It's easy to apply and easy to use.
View PayPal Credit Terms and Conditions

+ How does PayPal Credit work?

You can use PayPal Credit on purchases at thousands of stores that accept PayPal. It's also available for purchases on eBay and exclusively at thousands of other online stores. Here's how:

  • Check out with PayPal and then choose PayPal Credit.
  • Answer 2 quick questions and accept the terms.
  • You'll know within seconds if you are approved.
  • Look for your PayPal Credit statement notification via email.

If your PayPal Credit account is linked to your PayPal account, your offers may vary.

+ Why did Bill Me Later become PayPal Credit?

In order to better service our customers, we changed the name of our credit service from Bill Me Later to PayPal Credit. This was to clarify that this is a credit line service from PayPal and Comenity Capital Bank.

+ How is PayPal Credit different from Bill Me Later?

PayPal Credit is simply the new name for Bill Me Later. You will still enjoy all of the benefits of Bill Me Later, including great savings with special financing offers and the ability to buy now and pay over time.

+ Do I need to do anything to change my Bill Me Later account to a PayPal Credit account?

Not a thing. Your existing Bill Me Later account will automatically transition to a PayPal Credit account. However, to get even more out of your PayPal Credit account, link it to your PayPal account (or sign up for a PayPal account if you don't have one) and you can manage both of these in one convenient location at PayPal.com.

+ How do I start using PayPal Credit?

Select PayPal Credit as your payment choice during checkout. You'll be asked to provide your date of birth and the last 4 digits of your Social Security number, and then to agree to the terms and conditions to apply for a PayPal Credit account. You'll know within seconds if you are approved. And here's the cool thing: link your PayPal Credit account to your PayPal account and you'll see it as a payment option when you check out with PayPal.

+ How do I select PayPal Credit as my payment source?

There are two ways to choose PayPal Credit. Some merchants have a PayPal Credit option at checkout. If they do, you can simply choose that option. If you don't see a PayPal Credit option, check out with PayPal, and then you'll have the option to select PayPal Credit as your payment method. Either way a window will appear on your screen where you'll provide your date of birth and the last 4 digits of your Social Security number, and then agree to the terms and conditions. Approval takes just seconds and you can complete your purchase.

+ Can I use PayPal Credit when shopping on eBay?

Yes. Look for the PayPal Credit option on the Choose Payment Method page, or when you checkout with PayPal. PayPal Credit can be used for most purchases on eBay, except in the following categories: adult, digital goods, weapons, alcohol, and vehicles (PayPal Credit is available for auto parts and accessories).

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

You have the option to make no payments for 6 months on qualifying purchases. 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 for that purchase. If you do not pay in full, interest will be calculated from the posting date (which is usually within a few days after the purchase date) and will be billed to your account.

+ 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). For your convenience, once you link your PayPal Credit and PayPal accounts, you can keep track of your purchases and make payments on PayPal.com. Pay your balance due from either your PayPal balance or your bank account.

You can also mail your payments in to:
PayPal Credit
P.O. Box 105658
Atlanta, GA 30348-5658

+ Is there an annual fee to use PayPal Credit?

Nope! There is no annual fee to use PayPal Credit. See the Terms and Conditions.

+ Do I have a Credit Line and how much is it?

Yes you do. Here's how it works: after you've been approved, Comenity Capital Bank will open a PayPal Credit account with a credit line of at least $250.

+ How do I increase my credit line with PayPal Credit?

You can continue to use PayPal Credit for purchases and, if those purchases cause your outstanding balance to exceed your credit line, we'll evaluate you for a credit line increase. Your eligibility for a credit increase is determined by your credit history and customer history with PayPal Credit, and the Terms and Conditions. This will happen automatically during checkout, so you don't even need to ask.

+ What is the Annual Percentage Rate (APR)?

The Annual Percentage Rate for standard purchases and cash advances on a PayPal Credit line is 19.99%, although some special offers have a lower, promotional APR. The Minimum Interest Charge is $2.00. Of course, you can choose to pay your entire balance by the payment due date to avoid interest charges. Learn more about the interest rate.

+ What does 'Subject to Credit Approval' mean?

PayPal Credit is a credit account that you can use to make purchases and send money. Comenity Capital Bank 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 Comenity Capital Bank. This process happens in a matter of seconds as part of the PayPal Credit checkout process. Once you are a PayPal Credit customer, you can use your credit line to make purchases. If you make a purchase that would cause your outstanding balance to go above your credit line, we will review your credit history and history with PayPal Credit to instantly determine whether to increase your credit line.

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

No. A credit report is reviewed when you apply for PayPal Credit and occasionally when you attempt to increase your credit line. Periodically, we'll obtain updates of your report, but these updates have no impact on your credit score. If for any reason your credit line is decreased, you'll be notified of the reason in writing.

+ 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 $25. If you're late again, the late fee will be up to $35.

+ 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.

+ Where else can I use PayPal Credit?

PayPal Credit is available on purchases at thousands of stores that accept PayPal. It's also available for purchases on eBay and exclusively at thousands of other online stores.


eBay Bucks Supplemental
Terms And Conditions

Terms for extra $10 in eBay Bucks.

In addition to the Rewards as described in Section 4 of the eBay Bucks Rewards Program Terms and Conditions, you may also be able to earn additional Rewards based on a Qualifying Payment Action, defined below ("Payment Rewards"). "Payment Rewards" means a US dollar amount which will be given in the form of an eBay Bucks Certificate and will be attributed to the Eligible Participant's eBay account upon the following criteria:

  1. Only Eligible Participants who (i) are the intended recipients of an invitation from eBay to participate in the eBay Bucks PayPal Credit Promotion ("eBay Bucks PayPal Credit Promotion"), (ii) have previously signed up and been approved for PayPal Credit, and (iii) select PayPal Credit as their FIRST payment method for a single Qualifying Payment Action during the eBay Bucks PayPal Credit Promotion, may receive Payment Rewards in connection with such promotion;
  2. The eBay Bucks PayPal Credit Promotion starts on March 1, 2015, and ends at midnight ET on March 31, 2015 ("eBay Bucks PayPal Credit Payment Promotion Period");
  3. For the eBay Bucks PayPal Credit Promotion, the Payment Rewards (a) are limited to a one-time earning of $10 in extra eBay Bucks on the first single Qualifying Payment Action (limit of one $10 extra eBay Bucks per user id) and (b) include an additional earn of 1% in eBay Bucks during the Promotion Period for each Qualifying Payment Action (All Qualifying Payment Actions exclude sales tax, shipping charges, discounts, partial refunds, fee items, items that fail to comply with all applicable eBay terms and conditions, past purchases, and non-shipped, undeliverable or returned items);
  4. "Qualifying Payment Action" occurs if an Eligible Participant who was the intended recipient of the eBay Bucks PayPal Credit Promotion invitation properly purchases item(s) in a single transaction on www.eBay.com on or after March 1, 2015, and such item(s) are purchased using PayPal Credit at checkout on or before midnight ET March 31, 2015 excluding the following categories and item types:
    • Categories: Classifieds, Business & Industrial, Real Estate, eBay Gift Cards (within the Gift Cards & Coupons category), Bullion (within the Coins & Paper Money category), and vehicles (except Parts & Accessories in eBay Motors, which will earn eBay Bucks).
    • Item types: adult, digital goods, weapons, and alcohol.
  5. Items listed and purchased by the same Eligible Participant do not constitute a Qualifying Payment Action and such Eligible Participant will not be eligible for Rewards or Payment Rewards;
  6. Payment Rewards are a subset of Rewards so regular Rewards and Payment Rewards will be combined in the Eligible Participant's account and on the eBay Bucks Certificate; and, accordingly, all terms and conditions that apply to Rewards (including caps on earnings) will also apply to Payment Rewards;
  7. Payment Rewards may not appear in the Eligible Participant's eBay Bucks account until up to fourteen (14) days after the eBay Bucks PayPal Credit Promotion Period ends;
  8. Payment Rewards will be tied to the eBay account of the Eligible Participant;
  9. Unused Payment Rewards on an eBay Bucks Certificate are forfeited when the eBay Bucks Certificate expires;
  10. eBay reserves the right to hold back, reverse, or otherwise suspend Payment Rewards after a Qualifying Payment Action at its sole discretion to investigate compliance with eBay's policies, so Payment Rewards may not post for Qualifying Payment Actions during eBay's investigation and will post if eBay clears the action; and
  11. Notwithstanding anything to the contrary in section 6.1 in the eBay Bucks Rewards Program Terms and Conditions, and for the purpose of these Supplemental Terms and Conditions for the PayPal Credit Promotion only, eBay reserves the right to modify or terminate these Supplemental Terms & Conditions at any time without posting prior notice.

Terms for 50% more in eBay Bucks. That's an extra 1%.

In addition to the Rewards as described in Section 4 of the eBay Bucks Rewards Program Terms and Conditions, you may also be able to earn additional Rewards based on a Qualifying Payment Action, defined below ("Payment Rewards"). "Payment Rewards" means a US dollar amount which will be given in the form of an eBay Bucks Certificate and will be attributed to the Eligible Participant's eBay account upon the following criteria:

  1. Only Eligible Participants who: (i) are the intended recipients of an invitation from eBay to participate in the eBay Bucks PayPal Credit Promotion ("eBay Bucks PayPal Credit Promotion"), (ii) have previously signed up and been approved for PayPal Credit, and (iii) select PayPal Credit as their FIRST payment method for a single Qualifying Payment Action during the eBay Bucks PayPal Credit Promotion, may receive Payment Rewards in connection with such promotion;
  2. The eBay Bucks PayPal Credit Promotion starts on March 1, 2015, and ends at midnight ET on March 31, 2015 ("eBay Bucks PayPal Credit Payment Promotion Period");
  3. The Payment Reward is 1% of the Qualifying Payment Action (excludes sales tax, shipping charges, discounts, partial refunds, free items, items that fail to comply with applicable eBay terms and conditions, past purchases, and non-shipped, undeliverable or returned items) for each transaction during the eBay Bucks PayPal Credit Promotion Period;
  4. "Qualifying Payment Action" occurs if an Eligible Participant who was the intended recipient of the eBay Bucks PayPal Credit Promotion invitation properly purchases item(s) in a single transaction on www.eBay.com on or after March 1, 2015, and such item(s) are purchased using PayPal Credit at checkout on or before midnight ET March 31, 2015 excluding the following categories and item types:
    • Categories: Classifieds, Business & Industrial, Real Estate, eBay Gift Cards (within the Gift Cards & Coupons category), Bullion (within the Coins & Paper Money category), and vehicles (except Parts & Accessories in eBay Motors, which will earn eBay Bucks).
    • Item types: adult, digital goods, weapons, and alcohol.
  5. Items listed and purchased by the same Eligible Participant do not constitute a Qualifying Payment Action and such Eligible Participant will not be eligible for Rewards or Payment Rewards;
  6. Payment Rewards are a subset of Rewards so regular Rewards and Payment Rewards will be combined in the Eligible Participant's account and on the eBay Bucks Certificate; and, accordingly, all terms and conditions that apply to Rewards (including caps on earnings) will also apply to Payment Rewards;
  7. Payment Rewards may not appear in the Eligible Participant's eBay Bucks account until up to fourteen (14) days after the eBay Bucks PayPal Credit Promotion Period ends;
  8. Payment Rewards will be tied to the eBay account of the Eligible Participant;
  9. Unused Payment Rewards on an eBay Bucks Certificate are forfeited when the eBay Bucks Certificate expires;
  10. eBay reserves the right to hold back, reverse, or otherwise suspend Payment Rewards after a Qualifying Payment Action at its sole discretion to investigate compliance with eBay's policies, so Payment Rewards may not post for Qualifying Payment Actions during eBay's investigation and will post if eBay clears the action; and
  11. Notwithstanding anything to the contrary in section 6.1 in the eBay Bucks Rewards Program Terms and Conditions, and for the purpose of these Supplemental Terms and Conditions for the PayPal Credit Promotion only, eBay reserves the right to modify or terminate these Supplemental Terms & Conditions at any time without posting prior notice.