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Paypal Credit Basis
What is Paypal Credit
PayPal Credit is an open end (revolving) credit card account that provides a reusable credit line built into your PayPal account giving you the flexibility to pay for your purchases right away or pay over time. It’s easy to apply, easy to use and there whenever you need it. PayPal Credit is subject to credit approval and is offered by Synchrony Bank.
How do I apply for PayPal Credit?
When you apply for PayPal Credit, you’ll be asked to provide your date of birth, your income after taxes and the last 4 digits of 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.
Is there an annual fee to use PayPal Credit?
No! There is no annual fee to use PayPal Credit.
Why should I use PayPal Credit for my PayPal purchases?
Get No Interest if paid in full in 6 months on purchases of $99 or more when you check out with PayPal and pay with PayPal Credit. Minimum Monthly Payments are required during and after the 6 month promotional period. Plus, score valuable discounts and special financing offers when you use PayPal Credit. You can also review all of your purchases and pay your bill through PayPal.com.
Using Paypal Credit
How do I use PayPal Credit?
You can use PayPal Credit just about anywhere PayPal is accepted. To use PayPal Credit, simply checkout using PayPal and select PayPal Credit as your payment method.
How does the "No Interest if paid in full in 6 months on purchases of $99 or more" offer work?
You'll have the option to pay No Interest for 6 months, on qualifying purchases of $99 or more. As long as you pay in full by the promotion expiration date, you will not be billed interest for that purchase. Minimum payments are required. If you do not pay in full, interest will be charged from the purchase date and will be billed to your account. You must pay in full to avoid accrued interest from the purchase date and you must make your minimum payment requirements to avoid late charges.
How do I select PayPal Credit as my preferred way to pay?
At checkout, you’ll have the option to select PayPal Credit as your payment method. You can also set PayPal Credit as your preferred way to pay. That way, as long as you have available credit in your PayPal Credit account, every purchase you make with PayPal uses your PayPal Credit account as the preferred way to pay. Additionally, some merchants have a PayPal Credit option at checkout. If they do, you can simply choose that option.
How are my minimum monthly payments calculated?
Minimum monthly payments are required in accordance with the standard account terms. It is very important to note that the required minimum monthly payments may or may not pay off your purchase by the end of the promotional period. If you want to ensure that your purchase is paid before the end of the promotional period (to avoid interest), you should schedule additional or larger payments accordingly.
Managing Your Account
How do I manage my PayPal Credit account?
If you want to view your statements, schedule a payment or make PayPal Credit your preferred way to pay, visit PayPal Credit account management.
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. However, the late fee will not exceed $5 if the minimum payment due is less than $27
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). At any time you can choose to make a one time payment or schedule automatic payments towards your balance due from either your PayPal balance or your linked bank account conveniently on PayPal.com
How do I add my PayPal Credit account to my PayPal account?
Linking your account is easy. You can link your PayPal Credit account to an existing PayPal account if you have one or simply open a new account.
Why should I link my PayPal Credit and PayPal accounts?
Linking your accounts means you’ll be able to use PayPal Credit at most places PayPal is accepted. You can also easily manage both accounts—pay your bill, view recent activity, set payment reminders and much more at PayPal.com
What if my PayPal account is blocked or closed?
If your PayPal account is blocked or closed, you will not be able to go through the online linking process. Please call PayPal Credit Customer Service at 1-866-528-3733.