PayPal credit options

A little flexibility or a lot

Get a quick credit line for unexpected purchases. Opt for a credit card that gives you up to 3% cash back on your PayPal purchases.1 Or try a Pay Later plan that meets your needs.

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PayPal Credit Card

The PayPal Credit Card, coming soon

Use the PayPal Credit Card for No Interest if paid in full in 6 months on qualifying travel purchases posted to your account by January 31, 2026, or with both PayPal Credit Card and the PayPal Credit digital line, pay over time on all purchases of $149 or more2 when checking out with PayPal.

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Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months. Minimum monthly payments required. Subject to credit approval. See terms. If approved, you'll get a PayPal Credit Card to use everywhere Mastercard is accepted or a PayPal Credit digital line to use when checking out with PayPal.

PayPal Cashback Mastercard®

Up to 3% cash back

Earn 3% back on your PayPal purchases.1 And 1.5% back on everything else. Use it anywhere Mastercard is accepted. There’s no annual fee.3 And no impact to your credit score if you're declined.4 Add it to your phone’s wallet, and tap to pay.

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Buy Now, Pay Later

Get it now. Pay later.

Pay over time with no late fees. Choose from smart options like Pay in 45 or Pay Monthly.6

Learn About Pay Later

PayPal Debit Card

Spend your PayPal balance

Shop in stores or online wherever Mastercard® is accepted. Plus, get 5% cash back in the monthly category of your choice.

Learn About the Debit Card

Frequently asked questions

Discover more ways to pay

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Buy Now, Pay Later
 
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PayPal app

It’s your do-it-all digital wallet. Load up on offers before you shop. Track your packages. And manage it all on the go.

1
Purchases are subject to credit approval, and the PayPal Cashback Mastercard must be used for payment. See Rewards Programs Terms for details and eligibility criteria.
2
For offer terms and rates, see Terms. The PayPal Credit Card and PayPal Credit digital line are subject to credit approval and are available to US customers who are of legal age in their state of residence. The PayPal Credit Card and PayPal Credit digital account are issued by Synchrony Bank. The PayPal Credit Card is issued pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
3
See Terms and Rates for New Accounts.
4
Applications are subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply. An approved PayPal Cashback Mastercard application will result in a hard credit inquiry, which may impact your credit score.
The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned and used with permission of EMVCo, LLC.
The PayPal Cashback Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated.  Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
5
Pay in 4 is available to consumers upon approval for purchases of $30 to $1,500. Pay in 4 is currently not available to residents of MO or NV. Offer availability depends on the merchant and also may not be available for certain recurring, subscription services. When applying, a soft credit check may be needed, but will not affect your credit score. You must be 18 years old or older to apply: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee. NM residents: Find more disclosures related to Pay in 4.
6
Pay Monthly is subject to consumer credit approval and eligibility. Fixed APR is 9.99-35.99%. Terms and rates vary based on purchase amount and your credit. For example, a $200 purchase can be paid at 26% APR in 3 monthly payments ($69.56/mo.; $8.68 interest; $208.68 total of payments) . A $600 purchase can be paid at 26% APR in 6 monthly payments ($107.76/mo.; $46.57 interest; $646.57 total of payments) or 12 monthly payments ($57.33/mo.; $88.01 interest; $688.01 total of payments). A $1,500 purchase can be paid at 26% APR in 24 monthly payments ($80.77/mo; $438.47 interest; $1,938.47 total of payments). Payments may change based on shipping, taxes, updates to your purchase, or missed payments. Availability depends on the merchant and may not be available for subscriptions or recurring payments. Pay Monthly is currently not available to residents of AK, CT, HI, NC, or NV. You must be 18 years old or older to apply. Missed payments may have an impact on your credit score. The lender for Pay Monthly is WebBank. PayPal, Inc. (NMLS #910457): RI Loan Broker Licensee. VT Loan Solicitation Licensee. VT residents: THIS IS A LOAN SOLICITATION ONLY. PAYPAL, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.