Last Updated: 02/23/2026
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Community Rating
Amount Range
APR (Variable APR)
Number of Reviews
PayPal Credit Review
PayPal Credit FAQ
What APRs does PayPal Credit offer?
Does the PayPal Credit charge an origination fee?
Does the PayPal Credit charge a cash advance fee?
Does the PayPal Credit charge a statement balance fee?
Does PayPal Credit charge a late fee?
Yes, PayPal Credit may charge borrowers a late payment fee of up to $38 .How much can you borrow via PayPal Credit?
| Cash Advance Fee | 26.24% |
| Origination Fee | No |
| Prepayment Fee? | No |
| Late Payment Fee | $38 |
| Statement Balance Fee | $0 |
| Billing Cycle Charge | No |
What do you need to qualify for PayPal Credit?
Applicants with a credit score of at least 600 and up to 850 may be eligible for PayPal Credit. The minimum age to be eligible is 18 or the state minimum, whichever is higher.- Proof of income
- Proof of identity
What is the estimated funding time for a personal line of credit via PayPal Credit?
PayPal Credit will typically fund personal lines of credit within 1 business day of approval.Does PayPal Inc perform a hard credit pull?
How to apply for PayPal Credit
- Visit the PayPal Credit website.
- Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
- Check the information is accurate and submit your application.
PayPal Credit Disclosure: The issuer of the PayPal Credit account, Synchrony Bank, does not have a financial relationship with Supermoney.com and has not endorsed this content. ** For New Accounts: Variable Purchase APR is 26.24%. The APRs are accurate as of 02/18/2019 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00. Of course, you can choose to pay your entire balance by the payment due date each month to avoid interest charges. Learn more about the interest rate. You will be charged a late fee for each month that the minimum payment is not paid by the payment due date. The first time you’re late, the amount of the late fee will be the same amount as the missed payment, up to $27. If you’re late again, the late fee will be up to $38. However, the late fee will not exceed $5 if the minimum payment due is less than $27. Learn more about late fees. Paypal Credit is only available to US customers who are of legal age in their state of residence.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.