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What is PayPal Credit?

PayPal Credit is a line of credit offered by Comenity Capital Bank that gives you the flexibility to pay for your purchase now, or pay over time. It’s easy to apply and easy to use.

How does the “No Payments + No Interest if paid in full in 6 Months” offer work?

You’ll have the option to make no payments for 6 months, on qualifying purchases. You will receive monthly statements and can make payments at any time. As long as you pay in full by the promotion expiration date, you will not be billed interest for that purchase. If you do not pay in full, interest will be calculated from the transaction posting date (which is usually within a few days after the purchase date) and will be billed to your account.

How do I select PayPal Credit as my payment source?

Select Option above, type your name and follow instructions on the screen. Once you have a PayPal Credit account, when you check out with PayPal you’ll have the option to select PayPal Credit as your payment method.

How do I increase my credit line with PayPal Credit?

You can continue to use PayPal Credit for purchases and, if those purchases cause your outstanding balance to exceed your credit line, we’ll evaluate you for a credit line increase. Your eligibility for a credit increase is determined by your credit history and customer history with PayPal Credit, and the Terms and Conditions. This will happen automatically during checkout, so you don’t even need to ask.

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.