Paypal financing

PayPal offers two main "Pay Over Time" options: Pay in 4 and Pay Monthly, each with distinct terms and conditions.

Purchases of $149 or more:
Get No Interest if paid in full in 6 months on purchases of $149 or more.

If approved, we start you off with a minimum credit line of at least $250.
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
If you miss a payment, your late fee could be up to $41, even less if it's your first time
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 and Cash APR is 30.39%. Variable Penalty APR is 34.99%. The APRs are accurate as of 3/1/2025 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00. For the current APR, see Terms and Conditions.
Individual items that are less than $149 qualify for special financing when combined for a total of $149 or more in a single transaction
Multiple separate transactions of less than $149 per transaction cannot be combined to meet the minimum purchase amount

Purchases of $148.99 or less:

Buy now and pay over time with PayPal Credit when you spend $148.99 or less.

If approved, we start you off with a minimum credit line of at least $250
For New Accounts: Variable Purchase and Cash APR is 30.39%. Variable Penalty APR is 34.99%. The APRs are accurate as of 3/1/2025 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00. For the current APR, see Terms and Conditions
If you pay your balance in full each month by the payment due date that is on your statement, you can avoid paying interest
Or, make minimum monthly payments, or any additional amount of your choosing, until you’ve paid off your balance according to your standard account terms. Please note, interest charges may apply
We’ll send you email reminders when your payments are due. You can also keep track of your account and view your statements online at any time
If you miss a payment, your late fee could be up to $41, even less if it's your first time