Ship Now, Pay Later.
Now offering financing solutions. Another step ahead.
Ship your car with King of the Road now and pay later with PayPal Credit!
No lengthy application to fill out, just answer two quick questions, accept the terms and get a decision in seconds.
You may receive one of the following promotions when you make a qualifying purchase:
No Payments + No Interest if paid in full in 6 or 9 months
No Interest if paid in full in 6, 12, or 18 months (with required minimum monthly payments)
Interest will be charged to your account from the date of purchase at your current Annual Percentage Rate (APR) of 19.99% if the purchase balance is not paid in full within 6, 12, or 18 months
Offers may vary depending on where you shop and how much you spend
You have the choice to pay your balance in full by the payment due date on your statement and avoid paying interest, or make minimum monthly payments until your balance is paid in full and pay interest from the date of purchase.
Look for your PayPal Credit statement via email – you can also keep track of purchases and view your statements online.
If approved, Comenity Capital Bank will extend credit to you for the amount financed to pay for your purchase. Comenity Capital Bank will pay the merchant on your behalf for the purchase.
You’ll start with a credit line of at least $250. If you happen to pay late, you could receive a late fee of up to $35. The Annual Percentage Rate (APR) for PayPal Credit is 19.99% and the Minimum Interest Charge is $2.00.
PayPal Credit is a simple, flexible credit line that gives you more time to pay. Add it to your PayPal account and get more time to pay at most places PayPal is accepted. Plus, you’ll enjoy the peace of mind that comes with PayPal security and reliability. PayPal Credit is also available as a separate payment option at thousands of stores. It’s fast and easy - no credit card to enter and approval just takes seconds.
Frequently Asked Questions
Is there an annual fee to use PayPal Credit?
There is no annual fee for using PayPal Credit.
What is the Annual Percentage Rate?
The Annual Percentage Rate is 19.99%. The Minimum Finance Charge is $2.00. Of course, you can choose to pay your entire balance by the payment due date and pay no finance charges.
If I pay late, will there be a fee?
If a minimum payment is not received by your payment due date (found on your statement), you will be charged a late fee in the amount of the missed payment—up to $25 the first time you are late. Subsequent late payments will be charged a late fee up to $35.
Do I have a credit line and how much is it?
Yes you do. Here's how it works: after you've been approved, Comenity Capital Bank will open a PayPal Credit account with a credit line equal to the amount of your purchase or $250, whichever is greater.
You can continue using PayPal Credit to make purchases. If those purchases cause your outstanding balance to exceed your credit line, then you will be evaluated for a credit line increase. This evaluation happens seamlessly during the checkout process. You don't need to do a thing. Best of all, your checkout won't be slowed down. Here's an example of how this works:
If your first purchase using PayPal Credit is $150, your initial credit line will be $250.
If you make another purchase for $300 before your bill is paid, PayPal Credit will determine during checkout if your credit line can be adjusted to $450.
If you then pay $350 toward your first bill, you will have $350 remaining on your credit line. If you want to make another purchase using PayPal Credit for more than $350, PayPal Credit will determine during checkout if your credit line can be adjusted again.
You can always continue to make additional purchases up to your outstanding credit line, and we will consider increasing your credit line when your purchase goes above it.
What does "Subject to Credit Approval" mean?
PayPal Credit is a line of credit provided by Comenity Capital Bank, an FDIC-insured, Utah-chartered, industrial bank. 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 and only takes a matter of seconds as part of the checkout process.
Do you review my credit report every time I make a purchase?
No, a credit report is reviewed when you apply for a PayPal Credit account and occasionally when you ask for an increase in your line of credit. Periodically, updates of your report are obtained, but these updates have no impact on your credit score. Your account is reviewed quarterly. If for any reason your credit line is reduced, you will be notified of the reason in writing.
Can I increase my credit line?
When you attempt to make a purchase for an amount above your credit line, it will be treated as a request for a credit line increase. Your eligibility for a credit line increase is determined by your credit history and customer history with PayPal Credit. This request happens seamlessly during the checkout process. You literally don't do anything on your end, and best of all, it won't slow down your checkout.