PayPal Financing - 0% Interest if Paid in Full in 6 Months on Purchases of $99+

PayPal Credit

No Interest if paid in full in 6 months on purchases of $99 or more.

  • Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months.
  • A minimum monthly payment is required and may or may not pay off the promotional purchase by the end of the 6 month period.
  • No interest will be charged on the purchase if you pay it off in full within 6 months. If you do not, interest will be charged on the purchase from the purchase date at the Purchase APR applicable to your account.
  • For New Accounts: Variable Purchase APR is 23.99%. The APR is accurate as of 09/01/2020 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00.
  • Individual items that are less than $99 qualify for special financing when combined for a total of $99 or more in a single transaction.
  • Multiple separate transactions of less than $99 per transaction cannot be combined to meet the minimum purchase amount.

How PayPal Credit works

  • PayPal Credit is a reusable credit line you can use to shop online at millions of stores that accept PayPal.

  • Shop with trust, security, and flexibility when you pay with PayPal.

  • Click the PayPal button at checkout and pay with PayPal Credit.

About PayPal Credit 

  • PayPal Credit is a reusable credit line available on purchases at millions of stores that accept PayPal. Plus, it comes with the same security and flexibility you trust from PayPal.
  • If approved, we start you off with a minimum credit line of at least $250. See FAQs for more info.
  • For New Accounts: Variable Purchase APR is 23.99%. The APR is accurate as of 09/01/2020 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00. See Terms and Conditions Tab for more info.
  • If you miss a payment your late fee could be up to $40, even less if it’s your first time. See FAQs for more info.