Can you borrow from PayPal?

Yes, you can borrow from PayPal through their PayPal Credit service. PayPal Credit is a line of credit provided by Synchrony Bank that allows eligible PayPal account holders to make purchases and pay for them over time. Here’s how you can borrow from PayPal using PayPal Credit:

1. Check Eligibility:

To qualify for PayPal Credit, you must have a PayPal account in good standing. PayPal will evaluate your creditworthiness based on factors such as your credit history and income.

2. Apply for PayPal Credit:

If you’re eligible, you can apply for PayPal Credit directly through your PayPal account. Log in to your PayPal account and navigate to the PayPal Credit section to begin the application process.

3. Complete Application:

Fill out the application form with accurate information, including your personal details, income, and financial information. PayPal will use this information to assess your creditworthiness and determine your easy money loan limit.

4. Await Approval:

After submitting your application, PayPal will review it to determine whether you qualify for PayPal Credit. In many cases, you’ll receive an instant decision on your application.

5. Access Credit Line:

If approved, PayPal will provide you with a credit line that you can use to make purchases online or through merchants that accept PayPal. Your credit limit will depend on factors such as your credit history and income.

6. Make Purchases:

Once you have access to PayPal Credit, you can use it to make purchases immediately. Simply select PayPal Credit as your payment method during checkout, and the purchase amount will be added to your credit balance.

7. Repay Over Time:

With PayPal Credit, you have the flexibility to repay your balance over time. You’ll receive monthly statements detailing your balance and minimum payment due. You can choose to pay the minimum amount due or more to pay off your balance faster.

8. Manage Account:

You can manage your PayPal Credit account online through your PayPal account dashboard. Here, you can view your balance, make payments, and track your transactions.

9. Monitor Credit Usage:

Regularly monitor your PayPal Credit account and usage to ensure that you’re staying within your credit limit and making timely payments. Responsible use of PayPal Credit can help build your credit history over time.


Before borrowing from PayPal Credit, consider the interest rates, fees, and repayment terms associated with the service. Be sure to read the terms and conditions carefully to understand your obligations as a borrower.

By following these steps and using PayPal Credit responsibly, you can borrow funds from PayPal to make purchases and manage your expenses.