Applying for PayPal Credit is easy. Simply select the PayPal payment method option at checkout and after proceeding to payment select PayPal Credit.  You will see a selection of instalment offers which will be displayed, enabling you to spread the cost of your purchase across a number of payments. 

The application form takes minutes to complete. PayPal will then run a credit check and, if approved, you'll have a credit limit linked to your PayPal account as soon as you accept your Credit Agreement. 

You can use the credit limit granted to pay for today's purchase and future purchases at thousands of online stores where PayPal is accepted, up to your credit limit. 

Do I need to reapply if I already have PayPal Credit? 

If you already have PayPal Credit, you can take advantage of these offers without having to reapply as long as you have enough available credit limit. Just select one of available instalment offers and check out with PayPal Credit. 

 Do I need to have a PayPal account? 

 Yes, however if you don’t have a PayPal account, you can create one as part of the PayPal Credit application. 

Signing up for a PayPal account is free and easy; all you need to do is provide your email address, create a password and accept PayPal’s User Agreement.