Pricing Addendum to the PayPal Credit Terms and Conditions

Interest Rate and Interest Charges

Annual Percentage Rate (APR) for Standard Purchases 19.99%
APR for Cash Advances 19.99%
How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest on Standard Purchases or Cash Advances if you pay your entire balance by the due date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $2.00.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee None
Penalty Fees Late Payment Fee Up to $35.00
Return Check Fee Up to $25.00

How We Will Calculate Your Balance

The Lender uses a method called "average daily balance (including new Purchases and Cash Advances)." See the PayPal Credit Terms and Conditions, Section 7, for more details.

Billing Rights

Information on your rights to dispute transactions and how to exercise those rights is provided in the PayPal Credit Terms and Conditions.