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About PayPal Credit

How can I use PayPal Credit to purchase the device?

In order to purchase the device using PayPal Credit, you need to have a PayPal account. If you do not have a PayPal account, you can get one at Once you have your account, go to our shopping site (, create your order, and begin the checkout process. When you get to the payment info screen, select PayPal as your payment option. This will lead you to the PayPal site where you will be able to log in to your PayPal account. You can then select PayPal Credit, instead of the credit card option, to pay for your order. PayPal will ask you for your date of birth and the last 4 digits of you social so they can determine you have good credit. They will immediately let you know whether you qualify. You will then be able to finalize the purchase. It's all one process and not very difficult.

How does PayPal Credit work?

Once your PayPal Credit account is approved, PayPal Credit will pay us for your device. They will provide you with a six-month, interest-free repayment period, during which you have no minimum monthly payments. In theory, you can defer payments up to six months. You can pay any amount per month during the first six months. At the end of the sixth month, any remaining balance will have a 19.99% rate retroactively billed. Minimum monthly payments of $25 would begin at that point. You can review PayPal Credit’s policies here

PayPal Credit FAQ

What is PayPal Credit?


How do I start using PayPal Credit?

Select PayPal Credit as your payment choice during checkout. You’ll be asked to provide your date of birth and the last 4 digits of your Social Security number, and then to agree to the terms and conditions, to apply for a PayPal Credit account. You’ll know within seconds if you are approved. And here’s the cool thing: link your PayPal Credit account to your PayPal account and you’ll see it as a payment option when you checkout with PayPal.



How do I pay my PayPal Credit bill?


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 will it be?

Yes. Once you’re approved, Comenity Capital Bank will open a PayPal Credit account with a Credit Line of at least $250.

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.

Do you check my credit report every time I make a purchase?

No. A credit report is reviewed when you apply for PayPal Credit and occasionally when you attempt to increase your credit line. Periodically, we’ll obtain updates of your report, but these updates have no impact on your credit score. If for any reason your Credit Line is decreased, you’ll be notified of the reason in writing.

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 $25. If you’re late again, the late fee will be up to $35.

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 the last four digits of your Social Security number, so there’s no account number that can be lost or stolen.

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’ll also get six months to pay for your purchases of $99 or more through PayPal Credit - and you could score deals such as free shipping, valuable discounts and promotional offers! By linking, you can also easily manage both accounts—pay your bill, view recent activity, set payment reminders, and much more at

How do I link my PayPal Credit account to my PayPal account?

It’s easy! There are three ways to link your PayPal Credit and PayPal accounts:

  • Log in to your PayPal account, click Profile, select "PayPal Credit,” then click Update Preferences.
  • Click here or enter into your browser for step-by-step instructions.
  • The next time you’re checking out with PayPal, just select PayPal Credit as your way to pay.

I’ve linked my PayPal Credit and PayPal accounts. Do I still need to register?

Nope. Once you link your accounts there is no registration step. You can simply log into and get access to up-to-the-minute account activity, special discounts, free shipping, and promotional financing offers from your favorite merchants.

Will my funding sources transfer when I start managing my account on

No. Since the requirements for PayPal Credit and PayPal differ, we cannot add your current funding sources without you going through approval and set up process of adding them yourself. This is also a security feature to make sure you are in control of who has access to your accounts.

Will my previously scheduled payments transfer when I start managing my account on

Yes. Any payments you have already scheduled will still process on time from your previous funding sources. You’ll even see them process through your new interface, even though you will not be able to access those funding sources until you add them directly into your PayPal account.

Is there a number I can call if I have additional questions?

Yes there is. Customer service department is available to assist you with your PayPal credit related issues. Please call 1-866-528-3733 and they will do their best to help.

*PayPal Credit is subject to credit approval as determined by the lender, Comenity Capital Bank and is available to US customers who are of legal age in their state of residence. *The Annual Percentage Rate is 19.99%. Minimum interest charge is $2.00.