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PayPal Credit

Get access to customer-only benefits

PayPal Credit* checkout is available for WooCommerce stores in the U.S. – get the free PayPal Express Checkout and in minutes be set up to give your customers more payment flexibility while they shop.


Your customers get more time to pay. You still get paid in full at the time of sale.

There’s no extra charge to show that PayPal Credit is available on your site – simply continue paying your normal PayPal transaction fees.

  • PayPal Credit offers customers no payments and no interest if paid in full within 6 months on purchases of $99 or more.
  • Funds usually appear in your PayPal business account in minutes.
  • Customers can pay directly within your existing PayPal checkout flow, so it’s easy for you and for them.

Why offer a PayPal Credit button on your checkout page?

Help increase sales and boost revenue

  • 25% of PayPal Credit users say they wouldn’t have made their most recent purchase without PayPal Credit.**
  • 40% of PayPal Credit users say they spent more online because PayPal Credit was available.**
  • Up to 68% larger transaction size for customers using PayPal Credit.***

Get paid now
While customers have more time to pay, you get paid in full, up front. There’s no additional cost—just pay your normal PayPal transaction fees. Payments typically show in your PayPal Business account within minutes.

Enable and enjoy
PayPal takes care of billing and collecting payments, so you can focus on growing your business. If you’re already offering PayPal at checkout, enable the PayPal Credit button within your WooCommerce account settings.

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PayPal Credit FAQs

Do I need to accept PayPal to offer PayPal Credit?

Yes. You must have an eligible PayPal payment solution integrated with your website to offer PayPal Credit (either through the PayPal checkout or as a PayPal Credit checkout button) and to advertise financing on your website. 

How much will it cost me to offer PayPal Credit to my customers?

If you are a PayPal-accepting merchant, PayPal Credit is already included at checkout at no additional cost to your business. You just pay your current PayPal transaction fees.

What are the benefits for my customers of using PayPal Credit and promotional financing?

With PayPal Credit, your customers get an instant, reusable credit line at checkout when they pay with their PayPal account. PayPal Credit is subject to credit approval by Comenity Capital Bank as lender for PayPal Credit accounts.

PayPal Credit is a line of credit that gives customers the flexibility to finance purchases, to get what they need now and pay over time. Plus PayPal Credit comes with all the security they’re used to with PayPal, allowing them to finance payments big or small with PayPal Credit’s No Payments and No Interest if paid in full in 6 months on orders of $99 or more; or customers get up to 25 days to pay on purchases under $99.

Read more PayPal Credit FAQs.


*PayPal Credit is subject to consumer credit approval, as determined by the lender, Comenity Capital Bank.
** comScore customer survey completed in January 2016, among 3,010 consumers who have used PayPal Credit.
*** As reported in Nielsen’s PayPal Credit Average Order Value Study for activity occurring from April 2015 to March 2016 (small merchants) and October 2015 to March 2016 (midsize merchants), which compared PayPal Credit transactions to credit card transactions on websites that offer PayPal Credit as a payment option or within the PayPal Wallet. Nielsen measured 284,890 transactions across 27 mid and small merchants. Copyright Nielsen 2016.

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