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PayPal Working Capital Flexible payments One affordable fixed fee No credit check Funding in minutes Apply Now   Why choose PayPal Working Capital? Funding in minutes There’s no time-consuming application or check of your financial history. Approved loans are funded in minutes. Flexible payments You choose a share of your sales to automatically deduct as payments, so managing your cash flow is easier. Minimum payment required. One affordable fixed fee Don’t worry about periodic interest or hidden fees—you pay just one affordable fixed fee you know when you apply. No credit check Your loan is primarily based on your PayPal account history, so no credit check is required, and it doesn’t affect your credit score. Funding in minutes There’s no time-consuming application or check of your financial history. Approved loans are funded in minutes. Flexible payments You choose a share of your sales to automatically deduct as payments, so managing your cash flow is easier. Minimum payment req...

Quick term loans with a high potential APR. Best for newer businesses that need a small to midsize loan. Pick something else if you can qualify for lower rates and longer loan terms. Apply Now Get No Interest if paid in full in 6 months on purchases of $99 or more when you check out with PayPal Credit. Interest will be charged to your account from the purchase date if the balance is not paid in full within the promotional period. Minimum monthly payments required. Subject to credit approval. See terms below. Apply Now Offer Details Terms & Conditions Pay now or pay over time with PayPal Credit. Just use PayPal Credit in PayPal checkout. Subject to credit approval. Purchases of $99+: No Interest if paid in full in 6 months on purchases of $99 or more. Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months. A minimum monthly payment is required and may or may not pay off the promotional purchase by the end of t...

Offer buy now, pay later options to your customers – at no additional cost to you. Get StartedContact Sales Talk to a payments specialist to get started,  855-787-1014 . Give customers more ways to buy. Pay in 4 and PayPal Credit 1  are included in PayPal Checkout, so you can start offering customer financing immediately. A win for your customers. Payment flexibility You get paid up front, while your customers pay later. Interest-free choice With Pay in 4, your customers can pay over time, and there’s no hidden cost. Access to financing Pay later options through PayPal, the brand they know and trust. Purchasing power With the ability to spread payments over time, purchases become more affordable. A win for your business. Increased sales Give shoppers more spending power and you can help boost your average order values. No additional costs Pay later offers are included in your existing PayPal rate. 2 Easy promotion Add dynamic pay later messaging to your site with a single inte...