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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.
PayPal Credit Card
Travel with the new PayPal Credit Card
Pay with the PayPal Credit Card No Interest if paid in full in 6 months on eligible travel purchases made 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 paying with PayPal.
Interest will be charged to your account from the date of purchase if the balance is not paid in full within 6 months. Minimum monthly payments are required. Subject to credit approval. See terms. If approved, you’ll receive a PayPal Credit Card to use everywhere Mastercard is accepted or a PayPal Credit digital line to use at checkout with PayPal.
PayPal Cashback Mastercard®
Up to 3% cash back
Get 3% back on purchases you make with PayPal.1 And 1.5% back on all other purchases. Use it wherever Mastercard is accepted. No annual fee.3 And no effect on your credit score if you are declined.4 Just add it to your phone’s wallet, and pay by tapping.
Need Help?
Frequetly Ask Questions
General Questions
Does PayPal provide access to credit?
Yes, PayPal offers several products that provide access to credit. The PayPal Cashback Mastercard allows you to earn 3% cash back when you check out with PayPal.1 The PayPal Credit Card and PayPal Credit digital line offer promotional financing, unlocking the ability to pay over time. 2
Is the PayPal Credit Card's travel promotion only for a limited time?
Yes, for a limited time, travel and get No Interest if paid in full in 6 months on all qualifying travel purchases posted to your account by January 31, 2026.
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.
Can I choose whether I get a PayPal Credit Card or a PayPal Credit digital account?
No. If approved, you’ll get either a PayPal Credit Card or a PayPal Credit digital line based on your credit history.