Enjoy No Payments and No Interest if paid in full in 6 months on eBay.com purchases of $99+ when you check out with PayPal Credit.

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. Subject to credit approval.
See Terms.

Additional information about PayPal Credit


Purchase on eBay.com Make a cart purchase of $99+ on eBay.com and enjoy No Payments and No Interest if paid in full in 6 months.


Spend $99+ This is not an introductory offer and there is no limit on qualifying purchases. However, cart totals of less than $99 cannot be combined to meet the minimum purchase amount.


Avoid Interest Pay off the purchase in full before the promotional period ends, or this accumulated or deferred interest will get added to your account balance 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).

Purchases Under $99

You can also use PayPal Credit for purchases under $99. Avoid interest by paying your purchase balance in full by the due date, or make the minimum payments until you’ve paid off the purchase and the accumulated interest from the posting date.

About PayPal Credit

PayPal Credit is a reusable credit line available on eBay.com purchases and exclusively at lots of other online stores where PayPal is accepted. Plus, it comes with the same secure transactions and flexibility you trust from PayPal.

More payment flexibility.

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

If you don’t have a PayPal Credit account, it’s easy to apply at PayPal.com.

Manage your accounts at PayPal.com.

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.

Easy, fast checkout.

There’s no need to re-enter credit card or bank account details for each purchase. So you can get in, get out and get on with your life.

Protecting your purchases is our priority.

Eligible purchases can qualify for our PayPal Purchase Protection.
See Limitations.

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 $38, even less if it’s your first time.
See FAQ for more info.

Frequently Asked Questions

+ What is PayPal Credit?

PayPal Credit is a credit line that is built in to your PayPal account. You can use PayPal Credit during PayPal checkout on eBay and almost everywhere PayPal is accepted. In fact, set it as your preferred payment method and you’ll speed through PayPal checkout even faster.

+ How do I start using PayPal Credit?

When you choose to apply for PayPal Credit, you’ll be asked to provide your date of birth and 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.

+ 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.

+ 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.

+ 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 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.