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Get No Payments + No Interest if paid in full in
6 months on purchases of $99 or more when you check out with PayPal and choose PayPal Credit.

Subject to credit approval. See terms below.

Interest will be charged to your account from the posting date (which is usually within a few days of the purchase date) if the purchase balance is not paid in full within the promotional period.

Get No Payments + No Interest if paid in full in 6 months on purchases of $99 or more when you check out with PayPal and choose PayPal Credit.

Subject to credit approval. See terms below.

Interest will be charged to your account from the posting date (which is usually within a few days of the purchase date) if the purchase balance is not paid in full within the promotional period.

Have a PayPal account?

Save time and skip a few steps by logging in to PayPal to apply for PayPal Credit.

Don’t have a PayPal account?

Offer Details

Enjoy No Payments and No Interest if paid in full in 6 months on purchases of $99 or more when you checkout with PayPal and choose PayPal Credit.

Interest will be charged to your account from the posting date (which is usually within a few days after the purchase date) if the purchase balance is not paid in full within 6 months.

Avoid Interest charges.

  • Log in to PayPal.com to check your account information at any time to keep track and make payments.
  • We’ll also email you when your monthly statement is ready to help you stay on top of your purchases.
  • Just be sure you pay the amount financed for this purchase in full by the promotion expiration date to avoid interest on this purchase.
  • You can even use the special financing offers on multiple purchases when you spend $99 or more on each individual transaction.
  • Multiple purchases of less than $99 per transaction cannot be combined to meet the minimum purchase amount.

You decide how to pay.

  • If you don’t want to pay before the promotional period ends, you will owe the interest that has accumulated at an Annual Percentage Rate (APR) of 19.99% starting from the posting date (which is usually within a few days after the purchase date).
  • This accumulated or deferred interest will get added onto your account balance when the promotional period for this purchase expires if the balance is not paid in full.
  • Deferred interest amounts and expiration dates are available online and on your statements, so you can stay in control of your money.

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.

About PayPal Credit

  • PayPal Credit is a reusable credit line available on purchases at thousands of stores that accept PayPal. It’s also available for purchases on eBay and exclusively at thousands of other online stores. Plus, it comes with the same security and flexibility you trust from PayPal.
  • If approved, we start you off with a minimum credit line of at least $250.
    See FAQ tab for more info.
  • The Annual Percentage Rate (APR) is 19.99% and the Minimum Interest Charge is $2.00.
    See Terms and Conditions tab for more info.
  • If you miss a payment your late fee could be up to $35, even less if it’s your first time.
    See FAQ tab for more info.

© 2007-2017 Bill Me Later, Inc PayPal Credit is subject to credit approval, as determined by the lender, Comenity Capital Bank.

Terms & Conditions of the PayPal Credit Payment System

PayPal Credit is an open-end credit plan offered by Comenity Capital Bank (the "Lender"). By using PayPal Credit to complete a purchase, you apply for credit and agree you have read the Terms and Conditions, including the Agreement to Arbitrate, as well as the Privacy Policy; and authorize the Lender to review your credit report. You authorize parties with whom you make a purchase to share your personal information, including email address, with the Lender to use that information for any lawful purpose.

The Terms and Conditions of PayPal Credit include the following:

*Including Agreement to Arbitrate. You can choose to reject the Agreement to Arbitrate as further explained in Section 19 below.

PayPal Credit Important Disclosures

The information that follows includes important information about the cost of credit and the interest rates. Your Promotional Purchase terms may vary from what is below. Please see the terms presented at the time of your Promotional Purchase for the applicable APR.

Interest Rate and Interest Charges

Annual Percentage Rate (APR) for Standard Purchases

The Lender uses a method called "average daily balance (including new Purchases and Cash Advances)." See the Account Agreement for more details.

Information on your rights to dispute transactions and how to exercise those rights is provided in the Account Agreement.

Amendment of the Terms and Conditions

The Lender may amend the Terms and Conditions, including any of the terms stated above, from time to time, in accordance with Section 13 of the Account Agreement "Amendment of This Agreement."

Important Information about Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, the Lender will obtain your name, address, date of birth, and other information that will allow the Lender to identify you. The Lender may verify this information with you and others. The Lender may also request to see your driver&#39s license or other identifying documents.

STATE DISCLOSURES

  • If you are married, you may apply for a separate account.
  • The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

NY, RI, & VT Residents

  • We may order credit reports in connection with processing applications/solicitations and any update, renewal, or extension of credit. Upon request, we will tell you the name and address of any consumer-reporting agency that furnished a report on you. You consent to the obtaining of such reports by signing or otherwise submitting an application or solicitation.
  • New York Residents: Comenity Capital Bank/PayPal Credit 1-866-528-3733. New York residents may contact the New York Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees, and grace periods. New York Department of Financial Services 1-877-226-5697 or www.dfs.ny.gov .
  • No provision of a marital property agreement, unilateral statement under Section 766.59, or court decree under Section 766.70 adversely affects the interest of Comenity Capital Bank, unless the Bank, prior to the time credit is granted, is furnished a copy of the agreement, statement, or decree or has actual knowledge of the adverse provision when the obligation to the Bank is incurred.
  • If you are married, please contact us immediately at: PayPal Credit, P.O. Box 5018, Timonium, MD 21094 and provide us with the name and address of your spouse. We are required to inform your spouse that we have opened a credit account for you.

PayPal Credit E-Sign Consent

IMPORTANT NOTICE. In order to complete this transaction online, the Lender must provide you with certain disclosures required by law. The Lender can provide these disclosures to you online only if you consent. You should choose another payment option if you do not consent.

In this PayPal Credit E-Sign Consent, the following definitions apply:

  • "You" and "your" mean the person who is asking to use PayPal Credit to make a purchase or cash advance.
  • "We," "us," and "our" mean the Lender and, following an assignment, any person, company, or bank to whom the rights of the Lender have been assigned.
  • "PayPal Credit Payment System" is the payment system that allows you to pay for purchases from participating merchants by charging the costs to your PayPal Credit Account. It may be called simply "PayPal Credit."
  • "Disclosures" means important communications and other information relating to your application for and/or use of PayPal Credit, including but not limited to agreements, privacy notices, billing statements and changes in terms.

By clicking the "Agree and Continue" button and/or checking the "I agree to have the Terms and Conditions presented electronically," which you hereby adopt as your electronic signature, you consent and agree that:

  • We can provide Disclosures required by law and other information about your legal rights and duties to you electronically.
  • Your electronic signature on agreements and documents has the same effect as if you signed them in ink.
  • We can send all Disclosures to you electronically via our website or to the email address that you have provided to the merchant in this transaction or to another email address that you provide to us for that purpose rather than in paper form.
  • We may alert you when the Disclosures are available, by sending you an electronic communication.
  • Our email will tell you how you can view the Disclosures.
  • We will make the Disclosures available to you for not less than 90 days from the date it first became available to you.
  • You will be able to print a copy of the Disclosures or download the information for your records.
  • This consent applies to this transaction and all future Disclosures you receive, and to all future transactions in which you use the PayPal Credit Payment System, at any time unless you have, prior to such transaction, withdrawn your consent by the procedure mentioned below.

What You Will Need

You understand that, in order to access and retain the electronic Disclosures, you will need the following:

  • A computer with an Internet connection.
  • A current web browser that includes 128-bit encryption (e.g. Internet Explorer version 10.0 and above, Firefox version 2.0 and above, Chrome version 3.0 and above, or Safari version 3.0 and above) with cookies enabled.
  • A valid email address.
  • Sufficient storage space to save past Disclosures OR an installed printer to print them.
  • If you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add
    • creditcustomersupport@paypal.com to your email address book.

Requesting Paper Documents And Withdrawing Consent

You understand that you may request paper copies of the Disclosures within 180 days of the date of the Disclosures, and that we will provide them to you by mail at no charge. You understand that you have the right to receive these Disclosures in paper form and that you may withdraw your consent by logging into www.billmelater.com or www.paypal.com where you can change your statement and disclosure preferences. You can also request paper copies and/or withdraw consent by contacting us at: PayPal Credit, P.O. Box 5138, Timonium, MD 21094 or 1-866-528-3733.

Updating Email Address

At any time, you can update the email address to which we may send alerts that your Disclosures are available. You can change your email preferences by logging into www.billmelater.com or www.paypal.com. You can also do this by contacting us at: PayPal Credit, P.O. Box 5138, Timonium, MD 21094 or 1-866-528-3733.

By consenting, you agree that electronic Disclosures have the same meaning and effect as if we provided paper Disclosures to you when and if we are required to do so. When we send you a Disclosure in electronic form or post a Disclosure on our website that shall have the same meaning and effect as if we provided paper Disclosures to you, whether or not you choose to view the Disclosures, unless you had previously withdrawn your consent to receive Disclosures electronically. We may also send you an email alerting you that the Disclosures are available electronically and make them available online.

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You understand and agree that we reserve the right to cancel this electronic Disclosure service, change the terms of use of this service, or send Disclosures in paper form at any time. You understand and agree that we are not responsible for any delay or failure in your receipt of any email notices we may send.

PayPal Credit Account Agreement

THIS AGREEMENT REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, WITH LIMITED EXCEPTIONS, RATHER THAN JURY TRIALS OR CLASS ACTIONS, AND LIMITS THE REMEDIES AVAILABLE TO YOU IN THE EVENT OF A DISPUTE.

This Agreement sets forth the terms and conditions of the PayPal Credit Account ("Account") and the extensions of credit made by Comenity Capital Bank (the "Lender"). Please read this Agreement and keep a copy.

1. DEFINITIONS:

PARTIES TO THIS AGREEMENT AND OTHER ENTITIES

The PayPal Credit Important Disclosures above, this PayPal Credit Account Agreement, and any amendment or addendum thereto.

The time between the dates on which we prepare billing statements, or would have prepared them if statements were required under Section 11 "Billing Statements." The Billing Cycle will end on approximately the same day of each month. We may change the day the Billing Cycle ends, at our option.

Extensions of credit made on the Account to you, when you choose the PayPal Credit Payment System to Send Money using the services offered by PayPal, Inc.

The amount of any Cash Advances you obtain using PayPal Credit or the total price of any item(s) you purchase from a Merchant using PayPal Credit, plus any fee or charge you agree to pay the Merchant or PayPal, Inc. the cost of shipping and taxes, less any applicable discount or credit offered by the Merchant.

The dollar amount of credit available for you to borrow on this Account.

The Payment Due Date on the billing statement that includes the final Monthly Plan Payment on an Easy Payments Purchase.

The date on which the deferred interest period ends for Deferred Interest Purchases.

The period within which you may repay a loan or extension of credit without incurring any interest.

A merchant participating in and authorized to accept the PayPal Credit payment option.

Monthly Plan Payments

Substantially equal monthly installments required for Easy Payments Purchases, including any applicable interest.

Payment Due Date

The date, which will appear on each billing statement as the "Payment Due Date" for the Billing Cycle.

PayPal Credit Payment System

The payment system that allows you to pay for purchases from participating merchants by charging the costs to your PayPal Credit Account. It may be called simply "PayPal Credit."

Includes Deferred Interest Purchases, Easy Payments Purchases, and other promotional purchases as offered from time to time that may be subject to special, promotional repayment terms and/or Annual Percentage Rates ("APRs") for all or part of the time they are unpaid. You may only have the ability to make some Promotional Purchases from time to time, depending on what the Merchant is offering. All Promotional Purchases may be separately itemized or may be grouped together in the Interest Charge Calculation and Promotional Purchases sections of your billing statement.

Deferred Interest Purchases

Promotional Purchases on which no interest will be charged if they are paid in full within six months. If the purchase is not paid in full by the Expiration Date, interest will be charged from the transaction posting date an at APR of 19.99%.

Easy Payments Purchases

Promotional Purchases that will be repaid in substantially equal monthly installments called "Monthly Plan Payments."

Extensions of credit made on the Account to you, when you choose the PayPal Credit Payment System to pay for a purchase from a Merchant. You may occasionally see references to "credit card purchases" because under Federal law this is considered a credit card account.

Your ability to make payments to third parties using PayPal, Inc. including in connection with: (i) a Purchase of goods or services; or (ii) between two individuals (not to or from a business) without a Purchase.

2. HOW YOU AGREE TO THIS AGREEMENT:

You agree to the terms of this Agreement and you make the promises it contains by either applying for or accepting an Account or making a purchase using PayPal Credit after receipt of this Agreement.

3. TYPES OF PURCHASES AND TRANSACTIONS:

STANDARD PURCHASES

You can make a Standard Purchase using this Account by choosing the PayPal Credit Payment System when you make a purchase from a Merchant at a website, by telephone, or at another authorized location. We will extend credit to you, in the amount of the Cost of the Purchase, by paying the Merchant on your behalf.

CASH ADVANCES

You can make a Cash Advance using this Account by choosing to Send Money. We will extend credit to you, in the amount of the Cost of the Cash Advance, by authorizing PayPal, Inc. to transmit the Cost of the Cash Advance to the designated recipient via the Send Money feature. You may not use the Cash Advance feature to send money to yourself. We have the right to decline Cash Advance transactions for any reason, for example, if fraudulent or high risk behavior is suspected.

PROMOTIONAL PURCHASES: DEFERRED INTEREST PURCHASES

There is one type of Deferred Interest Purchase:

No Payments + No Interest if paid in full in 6 months Purchases

Deferred Interest Purchases on which no payments will be due during the six-month deferred interest period.

If you pay the balance on a Deferred Interest Purchase in full by the Expiration Date, we will not charge any interest for that Purchase. We will calculate the interest for each Billing Cycle prior to the Expiration Date and disclose it on the billing statement as the Accrued Deferred Interest. If you do not pay the balance in full before the Expiration Date, (1) we may charge your Account, in the Billing Cycle in which the Expiration Date occurs, interest on that Promotional Purchase from the transaction posting date at an APR of 19.99%, and (2) any remaining balance will be treated as a Standard Purchase beginning on the Expiration Date.

PROMOTIONAL PURCHASES: EASY PAYMENTS

There are two types of Easy Payments Purchases:

Easy Payments + No Interest Purchases

Easy Payments Purchases that are not subject to interest, if you pay the balance in full by the End Date.

Financed Easy Payments Purchases

Easy Payments Purchases that are subject to interest at an APR disclosed at the time of purchase, not to exceed 19.99%.

We may offer this as the only method you can use to make a Purchase from a Merchant, or as an option to the Standard Purchase and/or Deferred Interest Purchase method. Easy Payments Purchases will be subject to the terms offered at the time of the transaction by the Merchant. If you do not pay the balance in full by the End Date, any remaining balance will be treated as a Standard Purchase.

4. YOUR CREDIT LINE AND OTHER AGREEMENTS:

At the time you open your Account and request your first extension of credit, we will evaluate your request for credit. If we extend you credit, we will disclose to you the total amount of your Credit Line, which will be no less than $250.00.

The total balances of all types of transactions on the Account plus transactions which have been authorized but not yet posted to the Account (but not including unpaid fees) may not exceed the Credit Line.

If you try to make a Purchase or Cash Advance that would cause your outstanding balance to be above your Credit Line, we may treat that as a request to increase the Credit Line.

For example: If your Credit Line is $650.00, you have a $200.00 balance, and you try to make a Purchase or request a Cash Advance of $500.00, we may treat this as a request for an increase in the Credit Line. If we approve this transaction, your new Credit Line will be $700.00.

We have the option to refuse a request for an increase, but we will notify you of the reasons for any refusal. We may allow you to complete a transaction in excess of your available credit without increasing your Credit Line under certain circumstances, such as if you have a previous "non-sufficient funds" payment on your Account.

We may increase, decrease or change your Credit Line at any time. We will notify you if we do so.

From time to time, we may review your Account to ensure that payments and transactions posting to your Account are valid and not fraudulent and that good funds are collected for payments. In doing so, we may temporarily limit your ability to utilize the total credit available to borrow until the Account review is completed and/or transactions and payments are confirmed to be valid and fully collected.

We May Charge your Account for Purchases and Cash Advances

You authorize us to charge this Account for the Cost of any Purchase or Cash Advance you, or anyone to whom you have given permission to use this Account, make using PayPal Credit. You understand that the amount that we actually pay to the Merchant for any Purchase or that PayPal, Inc. pays to any recipient of a Cash Advance may be less than the Cost of the Purchase or Cash Advance, because: (i) the Merchant may agree that we or a third party may retain a portion of the Cost in order to participate in PayPal Credit, or (ii) PayPal, Inc. may charge you fees for facilitating a Send Money transaction, which may be equal to the total of: (1) a percentage of the Cash Advance extended in connection with the Send Money transaction, plus (2) a transaction fee.

We May Charge your Account for Interest and Fees

You authorize us to charge this Account for interest, any fees, costs of collection, and other amounts that you agree to pay in this Agreement.

5. YOUR PERSONAL INFORMATION:

By making a Purchase, you authorize the Merchant to share your personal information (including email address) with us to verify your identity, make a credit decision, complete your transaction, service your Account, and/or for any other lawful purpose.

By requesting a Cash Advance, you authorize us to share your information with PayPal, Inc. to complete your Send Money transaction. You also authorize PayPal, Inc. to share your personal information (including email address) with us to verify your identity, make a credit decision, complete your Send Money transaction, service your Account, and/or for any other lawful purpose.

6. YOUR PROMISES TO US:

You promise to repay to us all extensions of credit (including any and all Purchases and Cash Advances) you have authorized us to charge to this Account and any accrued interest, fees, collection costs, and other amounts that you agree to pay in this Agreement. We may presume you authorized any Purchase using this Account, if the Purchase is delivered in your name to your address, unless you return the Purchase to the Merchant within a reasonable time.

Minimum Payment Due

You promise to pay at least the Minimum Payment Due on or before the Payment Due Date each Billing Cycle and in accordance with the reasonable requirements set forth on each billing statement.

Personal Financial Information

You promise to give us personal financial information about you that we may reasonably request, from time to time.

You promise to pay all costs of collection if we take any action to collect this Account or take any action in a bankruptcy proceeding filed by or against you, including reasonable attorneys’ fees and expenses, if permitted by applicable law.

Your Contact Information

You promise to promptly notify us if you change your name, mailing address, email address, or telephone number. In doing so, you agree that you will not give us false information or signatures, electronic or otherwise, at any time.

Age and Residency

You promise that you are of legal age in the state where you reside and are a resident of the United States when you accept this Agreement and open the Account.

You promise that, if you are dissatisfied with goods or services you purchased from a Merchant, you will try in good faith to resolve the dispute and correct the problem directly with the Merchant. This shall in no way limit or reduce your rights in case of a billing error.

You promise to use this Account only for personal, family, or household purposes.

7. INTEREST RATE AND INTEREST CHARGES:

You agree to pay interest on the outstanding balance of this Account until paid in full, as applicable. Interest may be calculated differently depending on the type of transaction. Interest begins to accrue on the transaction posting date, except interest does not accrue on any portion of a Standard Purchase or Cash Advance that you repay during the Grace Period, if a Grace Period applies.

GRACE PERIOD

Standard Purchases & Cash Advances

There is a Grace Period of at least 25 days on new Standard Purchases and Cash Advances. This means we will not charge interest on these transactions if you pay them in full by the Payment Due Date. For example, if:

  • You make a $500.00 Standard Purchase on January 1 and a $100.00 Cash Advance on January 2;
  • We send you a statement on or about January 15 with a Payment Due Date of February 12; and
  • You pay $600.00 (the full amount) by February 12; then
  • You will not be charged any interest on these transactions.

You&#39ll lose your Grace Period if you pay anything less than the total of new Standard Purchases and Cash Advances on any statement by the Payment Due Date. If you lose your Grace Period, you&#39ll owe interest on any unpaid balance of a transaction to which the Grace Period previously applied from the first day of the next Billing Cycle and interest on new transactions from the date of posting. For example:

  • You make a $500.00 Standard Purchase on January 1 and a $100.00 Cash Advance on January 2;
  • We send you a statement on or about January 15 with a Payment Due Date of February 12; and
  • You pay $400.00 (only part of the full amount) by February 12; then
    • You will not be charged any interest on the amount you paid ($400.00);
    • You will be charged interest on the remaining amount ($200.00) from the first day of the next Billing Cycle, February 16; and
    • New transactions will not qualify for the Grace Period.

To qualify for the Grace Period again, you must pay your Standard Purchases and Cash Advance balances in full.

Deferred Interest Purchases

Deferred Interest Purchases do not have a Grace Period. However, you can avoid paying interest on a Deferred Interest Purchase by paying the balance in full by the Expiration Date. If you do not pay the balance in full by the Expiration Date, you will be charged interest from the transaction posting date.

Easy Payments Purchases do not have a Grace Period. However, for Easy Payments + No Interest Purchases, you can avoid paying interest by paying the balance in full by the End Date. If you do not pay the balance in full by the End Date, any remaining balance will begin to accrue interest. Financed Easy Payments Purchases begin to accrue interest on the transaction posting date.

HOW WE CALCULATE INTEREST

We calculate interest for each Billing Cycle using the Average Daily Balance (including new Purchases and Cash Advances) method. A separate daily balance is calculated for each balance type. These balance types include, for example, Standard Purchases, Cash Advances, and different Promotional Purchases.

How We Get To The Average Daily Balance

We take the starting balance each day for each balance type, add any new charges and fees, and subtract any payments and credits (treating any net credit balance as zero). This gives us the daily balance. Then, we add up all the daily balances for the Billing Cycle and divide the total by the number of days in the Billing Cycle. The result is the Average Daily Balance for each balance type.

How We Get The Interest Charge For Each Balance Type

We multiply each Average Daily Balance for the Billing Cycle by the number of days in the Billing Cycle. Then we multiply this by the Daily Periodic Rate. We do this for each day in the Billing Cycle. This gives us the daily interest charges for each of your different balances. "Daily Periodic Rate" is a daily interest rate. The daily periodic rate for a given balance is equal to the APR for that balance divided by 365.

How We Get The Interest Charge For The Billing Cycle

We will then add up the interest for all the balance types, to get the interest for the Account.

Comenity Capital Bank Privacy Policy for the PayPal Credit Payment System

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