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As of August 1, Bill Me Later is now PayPal Credit.

Buy now and settle up later.

PayPal Credit Logo

PayPal Credit makes shopping at your favorite stores as easy as 1, 2, 3...

  1. Add items to your shopping cart
  2. Select PayPal Credit at checkout
  3. Answer two quick questions and accept the terms

It's that easy. All of your purchases will appear on one bill from PayPal Credit.

View Demo

Enjoy no payments and no interest if paid in full in six months.

Make no payments for six months. 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. Otherwise, interest will be billed from the date of purchase.

Buy now and settle up later

Shop without your credit card at any of the thousands of stores that offer PayPal Credit and you can enjoy the freedom of paying for your purchases later. Whether you buy electronics, home goods, travel or apparel, all of your purchases will appear on one bill. You can choose to pay in full or over time*.

Here's what you need to know:

  • You'll start with buying power of at least $250.
  • If you choose to pay over time, the Annual Percentage Rate is 19.99% and the minimum interest charge is $2. Terms
  • If you happen to pay late, you could receive a late fee of up to $35. Frequently Asked Questions

Breeze through checkout

There's no separate sign up process for PayPal Credit - just select it as your payment method, answer a few questions and accept the terms. Even better, PayPal Credit offers "Zero Fraud Liability" protection. So it's fast, easy and secure. Now you can spend less time in checkout and more time doing the things you love.

Enjoy great deals just for you

Take advantage of exclusive offers for PayPal Credit customers, like special financing that gives you even more time to pay. Check out www.BillMeLater.com to see the thousands of stores that accept PayPal Credit, plus frequent offers like discounts and free shipping.

PayPal Credit is subject to credit approval as determined by the lender, Comenity Capital Bank, Salt Lake City, Utah, and is available to U.S. customers who are of legal age in their state of residence.

*Interest charges apply if paid over time.

View the PayPal Credit Terms and Conditions

PayPal Credit frequently asked questions

How do I sign up for a PayPal Credit account?

You can sign up right at the merchant's site. Simply choose PayPal Credit as your payment method at checkout — it takes only a few seconds. Answer two quick questions and accept the terms. You'll receive a bill in the mail. There is no sign-up prior to making your purchase and there is no sign-up fee. View demo

How do I use PayPal Credit again?

When making purchases at the other sites in our network: 1) You sign-up the first time you purchase at that site; 2) After that, just select PayPal Credit to make future purchases at that retailer.

Is there an annual fee?

No. 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. 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?

PayPal Credit will charge a late lee for each month that a minimum payment is not paid in full by the payment due date on your statement. The amount of the late fee will be the amount of the missed payment; up to $25 the first time you are late. 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.

PayPal Credit has been designed with other features to help protect against unauthorized use of your account. Your identity is validated with top-of-mind information such as date of birth and the last four digits of your Social Security number. This means there is no account number that can be lost or stolen.

Do I have a credit line? If so, how much is it?

Yes. Once you open a PayPal Credit account you will have a credit line, which we call your "buying power."

When you have completed your first purchase using PayPal Credit, Comenity Capital Bank will open a PayPal Credit account with buying power equal to the amount of your purchase or $500, whichever is greater. You can now use PayPal Credit to make additional purchases. If those purchases would cause your outstanding balance to go above your buying power, then we will evaluate if you are eligible for more buying power and increase your buying power if you are. This happens seamlessly during the checkout process — you don't need to do anything and it won't slow down your checkout.

On an ongoing basis, your buying power will be either the highest total of balances you have had outstanding on your account at any time or a lower amount of which you have received notice, but will not be less than $500. Here's an example of how this works:

  • If your first purchase using PayPal Credit is $350 dollars, your initial buying power will be $500.
  • If before you pay your first bill you make another purchase for $300, we will adjust your buying power to $650 (if you are eligible for higher buying power).
  • If you then pay off $350 of your first bill, you will have $300 of buying power remaining. If you want to make another purchase using PayPal Credit for more than $300, we will increase your buying power again (if you are eligible for higher buying power).

You can always continue to make additional purchases up to your buying power limit, and we will consider increasing your buying power when your purchase goes above it.

What does Subject to Credit Approval mean?

PayPal Credit is a credit account that you can use to make purchases. Comenity Capital Bank will review and consider your credit report and other credit related information prior to opening your account and establishing your buying power. 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 rely on your buying power to make purchases. If you make a purchases that would cause your outstanding balance to go above your buying power, we will review your credit history and history with PayPal Credit to instantly determine whether to increase your buying power.

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

No, we pull a credit report on your first purchase and occasionally when you ask us to increase your buying power. We do periodically get updates to this report but these updates have no impact on your credit score. We review your account quarterly. If for any reason we reduce your buying power, we will notify you in writing of the reason.

How do I increase my buying power with PayPal Credit?

You increase your buying power by attempting a purchase that is above your buying power, we will treat that as a request to increase your buying power. We will take into account your credit history and history with PayPal Credit to instantly increase your buying power if you are eligible. This happens seamlessly during the checkout process — you don't need to do anything and it won't slow down your checkout.

Where else can I use PayPal Credit?

PayPal Credit is available at more than 1,000 online stores, catalogs, and travel partners. A complete list of the retailers that accept PayPal Credit is provided on the PayPal Credit website at www.billmelater.com.

How can I contact PayPal Credit to find out more about this payment method?

You may go to the PayPal Credit website at www.billmelater.com.