Pay, send, and save smarter. 

PayPal Debit 5% monthly category Terms Apply.

Pay in 4 is available to consumers upon approval for purchases of $30 to $1,500. Pay in 4 is currently not available to residents of MO or NV. Offer availability depends on the merchant and also may not be available for certain recurring, subscription services. When applying, a soft credit check may be needed, but will not affect your credit score. You must be 18 years old or older to apply: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee. NM residents: Find more disclosures related to Pay in 4.

Pay Monthly is subject to consumer credit approval and eligibility. Fixed APR is 9.99-35.99%. Terms and rates vary based on purchase amount and your credit. For example, a $200 purchase can be paid at 26% APR in 3 monthly payments ($69.56/mo.; $8.68 interest; $208.68 total of payments) . A $600 purchase can be paid at 26% APR in 6 monthly payments ($107.76/mo.; $46.57 interest; $646.57 total of payments) or 12 monthly payments ($57.33/mo.; $88.01 interest; $688.01 total of payments). A $1,500 purchase can be paid at 26% APR in 24 monthly payments ($80.77/mo; $438.47 interest; $1,938.47 total of payments). Payments may change based on shipping, taxes, updates to your purchase, or missed payments. Availability depends on the merchant and may not be available for subscriptions or recurring payments. Pay Monthly is currently not available to residents of AK, CT, HI, NC, or NV. You must be 18 years old or older to apply. Missed payments may have an impact on your credit score. The lender for Pay Monthly is WebBank. PayPal, Inc. (NMLS #910457): RI Loan Broker Licensee. VT Loan Solicitation Licensee. VT residents: THIS IS A LOAN SOLICITATION ONLY. PAYPAL, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

Applications and purchases are subject to credit approval and the PayPal Cashback Mastercard must be used for payment. Earn 3% cash back when you check out with PayPal and 1.5% on all other Mastercard purchases. See Rewards Program Terms for details and restrictions. The PayPal Cashback Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned and used with permission of EMVCo, LLC. See Terms & Rates for New Accounts.

PayPal Credit is subject to credit approval as determined by the Lender, Synchrony Bank, and is available to US customers who are of legal age in their state of residence. New Accounts as of 6/27/2024: Variable Purchase and Cash APR 31.39%. Variable Penalty APR 35.99%. Min Interest Charge $2. See Terms.

An account with PayPal is required to send and receive money.

As of June 7, 2023, the annual percentage yield (APY) for PayPal Savings is 4.30%. This is a variable rate and can change at any time, including after the account is opened. PayPal is a financial technology company, not a bank. Banking services provided by Synchrony Bank, Member FDIC.

PayPal, Inc. is licensed to engage in virtual currency business activity by the New York State Department of Financial Services. Buying, selling, transferring, and holding cryptocurrency with PayPal is not available in Hawaii and where prohibited by law. Buying and selling cryptocurrency is subject to a number of risks and may result in significant losses. Please see our disclosure for more details. PayPal does not make any recommendations regarding buying or selling cryptocurrency. Consider seeking advice from your financial and tax advisor. Custody, trading and transfer services for cryptocurrencies are performed for us by our licensed service provider, Paxos Trust Company, LLC or other appropriately licensed or otherwise authorized service provider.