What is PayPal Buyer Credit?
What are the benefits of having PayPal Buyer Credit?
How do I apply for PayPal Buyer Credit?
How high of a credit line can I receive?
Where can I use PayPal Buyer Credit?
Is PayPal Buyer Credit available outside the U.S.?
Do I make payments to the seller?
Why would I want to use PayPal Buyer Credit instead of a credit card?
What is promotional financing?
What does no interest if paid in 3, 6, or 12 months mean?
What does fixed payments for 12 or 24 months mean?
Are minimum payments required on promotional financing?
Who is the financial entity behind PayPal Buyer credit?
Can I purchase multiple items from a seller and qualify for the best promotional financing offer?
What if promotional financing isn't offered on the eBay item I want to purchase?
Where can I find more information about PayPal Buyer Credit?

For more questions, please visit the PayPal Help Center.

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What is PayPal Buyer Credit?
PayPal Buyer Credit is a personal line of credit exclusively for PayPal members. It lets you make low monthly payments on PayPal purchases, so you can shop now and pay later. PayPal Buyer Credit is an additional way to fund your purchases through your PayPal account.

What are the benefits of having PayPal Buyer Credit?
PayPal Buyer Credit is a secure, convenient, and flexible way to fund your purchases made with PayPal, allowing you to shop now and pay later:

• Makes any PayPal purchase more affordable with low monthly payments
• Offers convenient, money-saving opportunities with promotional financing
• Increases your purchasing power by adding another funding option
• Covers your purchases with full Buyer Protection from PayPal
• Lets you shop with ease anywhere PayPal is accepted
• Saves money with no annual fees
• Increases your total PayPal sending limit

How do I apply for PayPal Buyer Credit?
Applying for PayPal Buyer Credit is fast, easy, and secure; you can get your credit decision in as soon as 30 seconds! To begin the application process, click here.

How high of a credit line can I receive?
Your credit line is determined by your credit history. Once you are approved for credit, you will be told the amount of your credit line. Get your credit decision in as soon as 30 seconds! To begin the application process, click here.

Where can I use PayPal Buyer Credit?
You can use PayPal Buyer Credit to fund purchases on eBay listings that accept PayPal and anywhere else PayPal payments are accepted.

Is PayPal Buyer Credit available outside the U.S.?
At this time, only buyers residing in the U.S. with a U.S. PayPal account can apply and be approved for PayPal Buyer Credit.

Do I make payments to the seller?
No. The seller gets paid in full by PayPal right away. You make payments to the financial entity behind PayPal Buyer Credit, GE Money Bank.

Why would I want to use PayPal Buyer Credit instead of a credit card?
PayPal Buyer Credit is an additional line of credit that you can use anywhere PayPal is accepted, freeing up your credit cards for other purchases. In addition, you may be able to take advantage of promotional financing offers. When you purchase an item with promotional financing, you can take advantage of deferred-interest or fixed-payment promotions (see details).

What is promotional financing?
Promotional financing refers to financing programs that offer deferred interest (and in some cases, no payments for a number of months), or fixed payments. The promotional financing offers that may be available include:

• No interest if paid in 3 months and no payments for 3 months for total purchases over $199.00 USD (see details)
• No interest if paid in 6 months for total purchases over $199.00 USD. Monthly payments required (see details)
• No interest if paid in 12 months for total purchases over $199.00 USD. Monthly payments required (see details)
• 12 fixed monthly payments at 12.9% APR for total purchases over $999.00 USD (see details)
• 24 fixed monthly payments at 12.9% APR for total purchases over $1,999.00 USD (see details)

Promotional financing may be offered by qualified sellers. If you purchase more than one item from a seller, at least one of which qualifies for a promotional financing offer, your total purchase will receive the same promotional financing offer.

What does no interest if paid in 3, 6, or 12 months mean?
"No interest" financing allows you to avoid paying any interest on the promotional balance as long as the promotional balance is paid in full by the end of the promotional period. For both the 6 month promotion (see details) and the 12 month promotion (see details), you are required to make a minimum monthly payment on the promotional balance during the promotional period. For the 3 month promotion, no minimum monthly payments are required on the promotional balance during the promotional period (see details).

What does fixed payments for 12 or 24 months mean?
"Fixed monthly payments" financing allows you to make the same payment every month until the promotional balance is paid in full. In addition, an APR of 12.9% will apply to your promotional balance until it is paid in full. See details on the 12 fixed monthly payments offer. See details on the 24 fixed monthly payments offer.

Are minimum payments required on promotional financing?
Minimum monthly payments are not required on the promotional balance during the promotional period for the "no interest if paid in 3 months and no payments for 3 months" offer (see details). However, minimum monthly payments are required during the promotional period for all other promotional financing offers (see details).

Who is the financial entity behind PayPal Buyer credit?
Financing is provided by GE Money Bank, one of the leading providers of consumer credit.

Can I purchase multiple items from a seller and qualify for the best promotional financing offer?
When you purchase multiple items from a seller with a single payment and one of the items has promotional financing available, the promotional financing offer will apply to the total purchase if the total transaction amount exceeds the minimum purchase requirement for that promotion. If multiple items you purchase from a seller have different promotional financing offers available, the promotion deemed most favorable will be applied to your total purchase if the total transaction amount exceeds the minimum purchase requirement for that promotion.

What if promotional financing isn't offered on the eBay item I want to purchase?
An eBay seller who offers PayPal Buyer Protection on an eBay listing is eligible to offer promotional financing. You may email the seller and ask if he or she would consider revising the item to add a promotional financing offer. Although this is completely at the seller's discretion, a promotional financing offer can be added at any time until a listing closes. If a seller chooses not to offer promotional financing, you may still use PayPal Buyer Credit to fund any PayPal purchase and make low monthly payments.

Where can I find more information about PayPal Buyer Credit?
You can learn more about PayPal Buyer Credit by visiting PayPal.com