T&C

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>> View all legal agreements

Terms & Conditions of the PayPal Credit Payment System

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PayPal Credit is an open-end credit plan offered by Comenity Capital Bank (the "Lender"). By using PayPal Credit to complete a purchase, you apply for 

credit and agree you have read the Terms and Conditions, including the Agreement to Arbitrate, as well as the Privacy Policy; and authorize the Lender to 

review your credit report. You authorize parties with whom you make a purchase to share your personal information, including email address, with the Lender 

to use that information for any lawful purpose.

The Terms and Conditions of PayPal Credit include the following:

Important Disclosures
*Including Agreement to Arbitrate. You can choose to reject the Agreement to Arbitrate as further explained in Section 19 below.

Account Agreement*

E-Sign Consent

PayPal Credit Important Disclosures

The information that follows includes important information about the cost of credit and the interest rates. Your Promotional Purchase terms 

may vary from what is below. Please see the terms presented at the time of your Promotional Purchase for the applicable APR.

Interest Rate and Interest Charges

Annual Percentage Rate (APR) for Standard Purchases

APR for Cash Advances

How to Avoid Paying Interest

19.99%

19.99%

Your due date is at least 25 days after the close of each billing cycle. We will not charge any 
interest on Standard Purchases or Cash Advances if you pay your entire balance by the due 
date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $2.00.

For Credit Card Tips from the Consumer Financial Protection 
Bureau

To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee

Penalty Fees

None

Late Payment Fee

Return Check Fee

Up to $35.00

Up to $25.00

How We Will Calculate Your 
Balance

The Lender uses a method called "average daily balance (including new Purchases and Cash Advances)." See the Account 
Agreement for more details.

Billing Rights

Information on your rights to dispute transactions and how to exercise those rights is provided in the Account Agreement.

Amendment of the Terms and 
Conditions

The Lender may amend the Terms and Conditions, including any of the terms stated above, from time to time, in accordance 
with Section 13 of the Account Agreement "Amendment of This Agreement."

Important Information about 
Procedures for Opening a New 
Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial 
institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for 
you: When you open an account, the Lender will obtain your name, address, date of birth, and other information that will allow 
the Lender to identify you. The Lender may verify this information with you and others. The Lender may also request to see 
your driver’s license or other identifying documents.

STATE DISCLOSURES

CA Residents

OH Residents

• If you are married, you may apply for a separate account.

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NY, RI, & VT Residents

WI Residents

• The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, 

and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil 
Rights Commission administers compliance with this law.

• We may order credit reports in connection with processing applications/solicitations and any update, renewal, or extension 
of credit. Upon request, we will tell you the name and address of any consumer-reporting agency that furnished a report 
on you. You consent to the obtaining of such reports by signing or otherwise submitting an application or solicitation.

• New York Residents: Comenity Capital Bank/PayPal Credit 1-866-528-3733. New York residents may contact the New 
York Department of Financial Services by telephone or visit its website for free information on comparative credit card 
rates, fees, and grace periods. New York Department of Financial Services 1-877-226-5697 or www.dfs.ny.gov.

• No provision of a marital property agreement, unilateral statement under Section 766.59, or court decree under Section 
766.70 adversely affects the interest of Comenity Capital Bank, unless the Bank, prior to the time credit is granted, is 
furnished a copy of the agreement, statement, or decree or has actual knowledge of the adverse provision when the 
obligation to the Bank is incurred.

• If you are married, please contact us immediately at: PayPal Credit, P.O. Box 5018, Timonium, MD 21094 and provide 

us with the name and address of your spouse. We are required to inform your spouse that we have opened a credit 
account for you.

PayPal Credit E-Sign Consent

IMPORTANT NOTICE. In order to complete this transaction online, the Lender must provide you with certain disclosures required by law. The 

Lender can provide these disclosures to you online only if you consent. You should choose another payment option if you do not consent.

Definitions

In this PayPal Credit E-Sign Consent, the following definitions apply: 

• "You" and "your" mean the person who is asking to use PayPal Credit to make a purchase or cash advance.

• "We," "us," and "our" mean the Lender and, following an assignment, any person, company, or bank to whom the 

rights of the Lender have been assigned.

• "PayPal Credit Payment System" is the payment system that allows you to pay for purchases from participating 

merchants by charging the costs to your PayPal Credit Account. It may be called simply "PayPal Credit."

• "Disclosures" means important communications and other information relating to your application for and/or use of 
PayPal Credit, including but not limited to agreements, privacy notices, billing statements and changes in terms.

Consumer Consent

By clicking the "Agree and Continue" button and/or checking the "I agree to have the Terms and Conditions presented 
electronically," which you hereby adopt as your electronic signature, you consent and agree that: 

• We can provide Disclosures required by law and other information about your legal rights and duties to you 

electronically.

• Your electronic signature on agreements and documents has the same effect as if you signed them in ink.

• We can send all Disclosures to you electronically via our website or to the email address that you have provided to 
the merchant in this transaction or to another email address that you provide to us for that purpose rather than in 
paper form.

• We may alert you when the Disclosures are available, by sending you an electronic communication.

• Our email will tell you how you can view the Disclosures.

• We will make the Disclosures available to you for not less than 90 days from the date it first became available to you.

• You will be able to print a copy of the Disclosures or download the information for your records.

• This consent applies to this transaction and all future Disclosures you receive, and to all future transactions in which 
you use the PayPal Credit Payment System, at any time unless you have, prior to such transaction, withdrawn your 
consent by the procedure mentioned below.

What You Will Need

You understand that, in order to access and retain the electronic Disclosures, you will need the following: 

• A computer with an Internet connection.

• A current web browser that includes 128-bit encryption (e.g., Internet Explorer version 10.0 and above, Firefox 
version 2.0 and above, Chrome version 3.0 and above, or Safari version 3.0 and above) with cookies enabled.

• A valid email address.

• Sufficient storage space to save past Disclosures OR an installed printer to print them.

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• If you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must 

add 
creditcustomersupport@paypal.com to your email address book.

Requesting Paper Documents And 
Withdrawing Consent

You understand that you may request paper copies of the Disclosures within 180 days of the date of the Disclosures, and 
that we will provide them to you by mail at no charge. You understand that you have the right to receive these Disclosures 
in paper form and that you may withdraw your consent by logging into www.billmelater.com or www.paypal.com where 
you can change your statement and disclosure preferences. You can also request paper copies and/or withdraw consent 
by contacting us at: PayPal Credit, P.O. Box 5138, Timonium, MD 21094 or 1-866-528-3733.

Updating Email Address

At any time, you can update the email address to which we may send alerts that your Disclosures are available. You can 
change your email preferences by logging into www.billmelater.com or www.paypal.com. You can also do this by 
contacting us at: PayPal Credit, P.O. Box 5138, Timonium, MD 21094 or 1-866-528-3733.

Legal Effect

General

By consenting, you agree that electronic Disclosures have the same meaning and effect as if we provided paper 
Disclosures to you when and if we are required to do so. When we send you a Disclosure in electronic form or post a 
Disclosure on our website that shall have the same meaning and effect as if we provided paper Disclosures to you, 
whether or not you choose to view the Disclosures, unless you had previously withdrawn your consent to receive 
Disclosures electronically. We may also send you an email alerting you that the Disclosures are available electronically 
and make them available online.

You understand and agree that we reserve the right to cancel this electronic Disclosure service, change the terms of use 
of this service, or send Disclosures in paper form at any time. You understand and agree that we are not responsible for 
any delay or failure in your receipt of any email notices we may send.

PayPal Credit Account Agreement

THIS AGREEMENT REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, WITH LIMITED EXCEPTIONS, 

RATHER THAN JURY TRIALS OR CLASS ACTIONS, AND LIMITS THE REMEDIES AVAILABLE TO YOU IN THE EVENT OF A DISPUTE.

This Agreement sets forth the terms and conditions of the PayPal Credit Account ("Account") and the extensions of credit made by Comenity Capital Bank 

(the "Lender"). Please read this Agreement and keep a copy.

1. DEFINITIONS:

PARTIES TO THIS AGREEMENT AND OTHER ENTITIES

You & your

We, us, & our

Bill Me Later, Inc.

PayPal, Inc.

TERMS

Account

Agreement

Billing Cycle

The person who applied for this Account and agrees to this Agreement.

The Lender and, following an assignment, any person, company, or bank to whom the rights of the Lender have been 
assigned.

Located in Timonium, Maryland, developed PayPal Credit and provides services for the Lender, such as processing 
transactions, keeping records, sending billing statements, and providing customer service. Bill Me Later, Inc. may also 
receive payments and perform collection activities on behalf of the Lender.

Located in San Jose, California, is a payment service provider that consumers and merchants use to make payments to 
and accept payments from third parties.

The PayPal Credit open-end (revolving) account that is the subject of this Agreement.

The PayPal Credit Important Disclosures above, this PayPal Credit Account Agreement, and any amendment or addendum 
thereto.

The time between the dates on which we prepare billing statements, or would have prepared them if statements were 
required under Section 11 "Billing Statements." The Billing Cycle will end on approximately the same day of each month. 
We may change the day the Billing Cycle ends, at our option.

Cash Advances

Extensions of credit made on the Account to you, when you choose the PayPal Credit Payment System to Send Money 
using the services offered by PayPal, Inc.

Cost

Credit Line

End Date

The amount of any Cash Advances you obtain using PayPal Credit or the total price of any item(s) you purchase from a 
Merchant using PayPal Credit, plus any fee or charge you agree to pay the Merchant or PayPal, Inc., the cost of shipping 
and taxes, less any applicable discount or credit offered by the Merchant.

The dollar amount of credit available for you to borrow on this Account.

The Payment Due Date on the billing statement that includes the final Monthly Plan Payment on an Easy Payments 
Purchase.

Expiration Date

The date on which the deferred interest period ends for Deferred Interest Purchases.

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Grace Period

The period within which you may repay a loan or extension of credit without incurring any interest.

Merchant

A merchant participating in and authorized to accept the PayPal Credit payment option.

Monthly Plan Payments

Substantially equal monthly installments required for Easy Payments Purchases, including any applicable interest.

Payment Due Date

The date, which will appear on each billing statement as the "Payment Due Date" for the Billing Cycle.

PayPal Credit Payment System

The payment system that allows you to pay for purchases from participating merchants by charging the costs to your 
PayPal Credit Account. It may be called simply "PayPal Credit."

Promotional Purchases

Includes Deferred Interest Purchases, Easy Payments Purchases, and other promotional purchases as offered from time to 
time that may be subject to special, promotional repayment terms and/or Annual Percentage Rates ("APRs") for all or part 
of the time they are unpaid. You may only have the ability to make some Promotional Purchases from time to time, 
depending on what the Merchant is offering. All Promotional Purchases may be separately itemized or may be grouped 
together in the Interest Charge Calculation and Promotional Purchases sections of your billing statement.

Deferred Interest 
Purchases

Promotional Purchases on which no interest will be charged if they are paid in full within six 
months. If the purchase is not paid in full by the Expiration Date, interest will be charged 
from the transaction posting date an at APR of 19.99%.

Easy Payments 
Purchases

Promotional Purchases that will be repaid in substantially equal monthly installments called 
"Monthly Plan Payments."

Purchases

Send Money

Extensions of credit made on the Account to you, when you choose the PayPal Credit Payment System to pay for a 
purchase from a Merchant. You may occasionally see references to "credit card purchases" because under Federal law 
this is considered a credit card account.

Your ability to make payments to third parties using PayPal, Inc., including in connection with: (i) a Purchase of goods or 
services; or (ii) between two individuals (not to or from a business) without a Purchase.

2. HOW YOU AGREE TO THIS AGREEMENT:

You agree to the terms of this Agreement and you make the promises it contains by either applying for or accepting an Account or making a purchase using 

PayPal Credit after receipt of this Agreement.

3. TYPES OF PURCHASES AND TRANSACTIONS:

STANDARD PURCHASES

You can make a Standard Purchase using this Account by choosing the PayPal Credit Payment System when you make a purchase from a Merchant at a website, 
by telephone, or at another authorized location. We will extend credit to you, in the amount of the Cost of the Purchase, by paying the Merchant on your behalf.

CASH ADVANCES

You can make a Cash Advance using this Account by choosing to Send Money. We will extend credit to you, in the amount of the Cost of the Cash Advance, by 
authorizing PayPal, Inc. to transmit the Cost of the Cash Advance to the designated recipient via the Send Money feature. You may not use the Cash Advance 
feature to send money to yourself. We have the right to decline Cash Advance transactions for any reason, for example, if fraudulent or high risk behavior is 
suspected.

PROMOTIONAL PURCHASES: DEFERRED INTEREST PURCHASES

There is one type of Deferred Interest Purchase: 

No Payments + No Interest if paid in full in 6 months 
Purchases

Deferred Interest Purchases on which no payments will be due during the six-month deferred 
interest period.

If you pay the balance on a Deferred Interest Purchase in full by the Expiration Date, we will not charge any interest for that Purchase. We will calculate the interest 
for each Billing Cycle prior to the Expiration Date and disclose it on the billing statement as the Accrued Deferred Interest. If you do not pay the balance in full before 
the Expiration Date, (1) we may charge your Account, in the Billing Cycle in which the Expiration Date occurs, interest on that Promotional Purchase from the 
transaction posting date at an APR of 19.99%, and (2) any remaining balance will be treated as a Standard Purchase beginning on the Expiration Date.

PROMOTIONAL PURCHASES: EASY PAYMENTS

There are two types of Easy Payments Purchases: 

Easy Payments + No Interest 
Purchases

Easy Payments Purchases that are not subject to interest, if you pay the balance in full by the End Date.

Financed Easy Payments Purchases

Easy Payments Purchases that are subject to interest at an APR disclosed at the time of purchase, not to exceed 
19.99%.

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We may offer this as the only method you can use to make a Purchase from a Merchant, or as an option to the Standard Purchase and/or Deferred Interest Purchase 
method. Easy Payments Purchases will be subject to the terms offered at the time of the transaction by the Merchant. If you do not pay the balance in full by the End 
Date, any remaining balance will be treated as a Standard Purchase.

4. YOUR CREDIT LINE AND OTHER AGREEMENTS:

Credit Line

At the time you open your Account and request your first extension of credit, we will evaluate your request for credit. If we 
extend you credit, we will disclose to you the total amount of your Credit Line, which will be no less than $250.00.

The total balances of all types of transactions on the Account plus transactions which have been authorized but not yet 
posted to the Account (but not including unpaid fees) may not exceed the Credit Line.

If you try to make a Purchase or Cash Advance that would cause your outstanding balance to be above your Credit Line, 
we may treat that as a request to increase the Credit Line. 

For example: If your Credit Line is $650.00, you have a $200.00 balance, and you try to make a Purchase or 

request a Cash Advance of $500.00, we may treat this as a request for an increase in the Credit Line. If we 

approve this transaction, your new Credit Line will be $700.00.

We have the option to refuse a request for an increase, but we will notify you of the reasons for any refusal. We may allow 
you to complete a transaction in excess of your available credit without increasing your Credit Line under certain 
circumstances, such as if you have a previous "non-sufficient funds" payment on your Account.

We may increase, decrease or change your Credit Line at any time. We will notify you if we do so.

From time to time, we may review your Account to ensure that payments and transactions posting to your Account are 
valid and not fraudulent and that good funds are collected for payments. In doing so, we may temporarily limit your ability 
to utilize the total credit available to borrow until the Account review is completed and/or transactions and payments are 
confirmed to be valid and fully collected.

You authorize us to charge this Account for the Cost of any Purchase or Cash Advance you, or anyone to whom you have 
given permission to use this Account, make using PayPal Credit. You understand that the amount that we actually pay to 
the Merchant for any Purchase or that PayPal, Inc. pays to any recipient of a Cash Advance may be less than the Cost of 
the Purchase or Cash Advance, because: (i) the Merchant may agree that we or a third party may retain a portion of the 
Cost in order to participate in PayPal Credit, or (ii) PayPal, Inc. may charge you fees for facilitating a Send Money 
transaction, which may be equal to the total of: (1) a percentage of the Cash Advance extended in connection with the 
Send Money transaction, plus (2) a transaction fee.

We May Charge your Account for 
Purchases and Cash Advances

We May Charge your Account for 
Interest and Fees

You authorize us to charge this Account for interest, any fees, costs of collection, and other amounts that you agree to 
pay in this Agreement.

5. YOUR PERSONAL INFORMATION:

Purchases

Cash Advances

By making a Purchase, you authorize the Merchant to share your personal information (including email address) with us 
to verify your identity, make a credit decision, complete your transaction, service your Account, and/or for any other lawful 
purpose.

By requesting a Cash Advance, you authorize us to share your information with PayPal, Inc. to complete your Send 
Money transaction. You also authorize PayPal, Inc. to share your personal information (including email address) with us 
to verify your identity, make a credit decision, complete your Send Money transaction, service your Account, and/or for 
any other lawful purpose.

6. YOUR PROMISES TO US:

Promise to Pay

You promise to repay to us all extensions of credit (including any and all Purchases and Cash Advances) you have 
authorized us to charge to this Account and any accrued interest, fees, collection costs, and other amounts that you agree 
to pay in this Agreement. We may presume you authorized any Purchase using this Account, if the Purchase is delivered 
in your name to your address, unless you return the Purchase to the Merchant within a reasonable time.

Minimum Payment Due

You promise to pay at least the Minimum Payment Due on or before the Payment Due Date each Billing Cycle and in 
accordance with the reasonable requirements set forth on each billing statement.

Personal Financial Information

You promise to give us personal financial information about you that we may reasonably request, from time to time.

Collection Costs

You promise to pay all costs of collection if we take any action to collect this Account or take any action in a bankruptcy 
proceeding filed by or against you, including reasonable attorneys' fees and expenses, if permitted by applicable law.

Your Contact Information

You promise to promptly notify us if you change your name, mailing address, email address, or telephone number. In 
doing so, you agree that you will not give us false information or signatures, electronic or otherwise, at any time.

Age and Residency

You promise that you are of legal age in the state where you reside and are a resident of the United States when you 
accept this Agreement and open the Account.

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Merchant Disputes

You promise that, if you are dissatisfied with goods or services you purchased from a Merchant, you will try in good faith 
to resolve the dispute and correct the problem directly with the Merchant. This shall in no way limit or reduce your rights in 
case of a billing error.

Use of Account

You promise to use this Account only for personal, family, or household purposes.

7. INTEREST RATE AND INTEREST CHARGES:

You agree to pay interest on the outstanding balance of this Account until paid in full, as applicable. Interest may be calculated differently depending on the 
type of transaction. Interest begins to accrue on the transaction posting date, except interest does not accrue on any portion of a Standard Purchase or Cash 

Advance that you repay during the Grace Period, if a Grace Period applies.

GRACE PERIOD

Standard Purchases & Cash 
Advances

There is a Grace Period of at least 25 days on new Standard Purchases and Cash Advances. This means we will not 
charge interest on these transactions if you pay them in full by the Payment Due Date. For example, if: 

• You make a $500.00 Standard Purchase on January 1 and a $100.00 Cash Advance on January 2;

• We send you a statement on or about January 15 with a Payment Due Date of February 12; and

• You pay $600.00 (the full amount) by February 12; then

• You will not be charged any interest on these transactions.

You’ll lose your Grace Period if you pay anything less than the total of new Standard Purchases and Cash Advances on 
any statement by the Payment Due Date. If you lose your Grace Period, you’ll owe interest on any unpaid balance of a 
transaction to which the Grace Period previously applied from the first day of the next Billing Cycle and interest on new 
transactions from the date of posting. For example: 

• You make a $500.00 Standard Purchase on January 1 and a $100.00 Cash Advance on January 2;

• We send you a statement on or about January 15 with a Payment Due Date of February 12; and

• You pay $400.00 (only part of the full amount) by February 12; then 

• You will not be charged any interest on the amount you paid ($400.00);

• You will be charged interest on the remaining amount ($200.00) from the first day of the next Billing Cycle, 

February 16; and

• New transactions will not qualify for the Grace Period.

To qualify for the Grace Period again, you must pay your Standard Purchases and Cash Advance balances in full.

Deferred Interest Purchases

Deferred Interest Purchases do not have a Grace Period. However, you can avoid paying interest on a Deferred Interest 
Purchase by paying the balance in full by the Expiration Date. If you do not pay the balance in full by the Expiration Date, 
you will be charged interest from the transaction posting date.

Easy Payments

Easy Payments Purchases do not have a Grace Period. However, for Easy Payments + No Interest Purchases, you can 
avoid paying interest by paying the balance in full by the End Date. If you do not pay the balance in full by the End Date, 
any remaining balance will begin to accrue interest. Financed Easy Payments Purchases begin to accrue interest on the 
transaction posting date.

HOW WE CALCULATE INTEREST

We calculate interest for each Billing Cycle using the Average Daily Balance (including new Purchases and Cash Advances) method. A separate daily 
balance is calculated for each balance type. These balance types include, for example, Standard Purchases, Cash Advances, and different Promotional 

Purchases.

How We Get To The 
Average Daily Balance

We take the starting balance each day for each balance type, add any new charges and fees, and subtract any payments and credits 
(treating any net credit balance as zero). This gives us the daily balance. Then, we add up all the daily balances for the Billing Cycle 
and divide the total by the number of days in the Billing Cycle. The result is the Average Daily Balance for each balance type.

How We Get The 
Interest Charge For 
Each Balance Type

We multiply each Average Daily Balance for the Billing Cycle by the number of days in the Billing Cycle. Then we multiply this by the 
Daily Periodic Rate. We do this for each day in the Billing Cycle. This gives us the daily interest charges for each of your different 
balances. "Daily Periodic Rate" is a daily interest rate. The daily periodic rate for a given balance is equal to the APR for that balance 
divided by 365.

How We Get The 
Interest Charge For 
The Billing Cycle

We will then add up the interest for all the balance types, to get the interest for the Account.

MINIMUM INTEREST CHARGE

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We charge a minimum of $2.00 of interest in any Billing Cycle in which you owe interest on Standard Purchases and/or Cash Advances.

RATE OF INTEREST

We calculate interest on Standard Purchases, Promotional Purchases (except Financed Easy Payments), and Cash Advances using the Daily Periodic Rate of 
0.05477%. This corresponds to the APR of 19.99%. However, if we have disclosed a special promotional rate at the time we made the special offer, we will calculate 
interest on balances subject to that special offer using the applicable special promotional rate.

8. FEES:

You agree to pay the following fees, as applicable. 

Late Payment Fee

We will charge you a Late Fee for each Billing Cycle the Minimum Payment Due is not paid in full by its Payment Due 
Date. The Late Fee will be the amount of the missed payment, up to: 

• $25.00 the first time you are late, and

• $35.00 if your payment is late again within the next six Billing Cycles.

However, the Late Fee will not exceed $5.00 if the Minimum Payment Due is less than $25.00.

Return Check Fee

We will charge you a Return Check Fee of up to $25.00 if a payment on this Account is made with a check, including a 
draft, order, or other instrument, that is returned by a drawee for “not sufficient funds” or other reasons such as a closed 
account. The fee will not exceed the Minimum Payment Due immediately prior to the date on which the payment is 
returned. We will not charge the fee if we redeposit the check and it is paid.

9. MINIMUM PAYMENTS DUE:

The Minimum Payment Due each Billing Cycle will be the sum of the payments due on your Account balances as calculated below plus any amounts past due from 
previous Billing Cycles. 

Standard Purchases and Cash 
Advances

No Payments + No Interest If Paid In 
Full Purchases

Easy Payments Purchases

The payment due for Standard Purchases and Cash Advances will be the greatest of: 

• $25.00, or $35.00 if you failed to pay at least the Minimum Payment Due by the Payment Due Date in any one or 

more of the prior six Billing Cycles; or

• 3% of the balances on the Account (excluding any balance on a Deferred Interest Purchase prior to its Expiration 

Date and Easy Payments Purchase prior to its End Date) on the last day of the Billing Cycle; or

• 1% of the balances on the Account (excluding any balance on a Deferred Interest Purchase prior to its Expiration 

Date and Easy Payments Purchase prior to its End Date) on the last day of the Billing Cycle plus: 

• Any interest assessed in that Billing Cycle (excluding any accrued interest on a Deferred Interest Purchase billed 

in that Billing Cycle); and

• Any Late Fees and Return Check Fees assessed in that Billing Cycle.

However, if your unpaid balance of Standard Purchases and/or Cash Advances is less than the amount described above, 
the payment due will be that unpaid balance.

There is no payment due for a No Payments + No Interest if paid in full Purchase prior to its Expiration Date.

The payment due for each Easy Payments Purchase will be the Monthly Plan Payment. To determine the Monthly Plan 
Payment amount, we divide the Easy Payments Purchase amount by the number of months between the Purchase and 
the scheduled End Date. The Monthly Plan Payment due on the scheduled End Date (or sooner if you pay off the balance 
early) may be more or less than the others, because it will be adjusted as necessary to pay the amount you owe at that 
time.

10. PAYMENT APPLICATION AND PREPAYMENT:

We will use each payment in the amount of the Minimum Payment Due or less, first to pay billed Monthly Plan Payments on any Easy Payments Purchases, 
then billed interest, then billed fees, then the principal balance, and then any other amounts due. However, if you have a balance on a Deferred Interest 

Purchase, during the two Billing Cycles immediately preceding its Expiration Date, we may use the payment, after the amount to pay billed Monthly Plan 

Payments on any Easy Payments Purchases to pay the balance on such Deferred Interest Purchase.

You may at any time pay, in whole or in part, the total unpaid balance without any additional charge for prepayment. If you pay more than the Minimum 

Payment Due in any Billing Cycle, you still must make the Minimum Payment Due the next Billing Cycle. We will use any amount in excess of the Minimum 

Payment Due to pay the balances with the highest interest rate, then the next highest interest rate, and so forth. However, during the two Billing Cycles 

immediately preceding the Expiration Date of any Deferred Interest Purchase, we may use payments first to pay the balance on such Deferred Interest 

Purchase(s). We may choose to apply prepayments to the Deferred Interest Purchase balances before other balances.

11. BILLING STATEMENTS AND CREDIT BALANCES:

Billing Statements

We will provide a billing statement for each Billing Cycle if and as required by applicable law. We need not provide a 
billing statement to you if we deem this Account uncollectible or if delinquency collection proceedings have been started. 

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Credit Balances

Errors

We may provide electronic billing statements only. You can elect to receive paper statements by calling 1-866-528-3733 
or logging in to www.billmelater.com or www.paypal.com.

We will refund any credit balance in excess of $1.00 to you as required by law. You authorize us to make the refund 
electronically or using an electronic transfer, (i) if you made the payment which caused the credit balance electronically, 
or using an electronic transfer, or (ii) if you typically make payments on this Account electronically. If you maintain an 
account with PayPal, Inc., you authorize us to refund any credit balance directly to that account.

You agree to notify us of any errors in the billing statement within 60 days from the date it is provided. You agree to 
examine each billing statement and to notify us, immediately, of any Purchases which were not made or authorized by 
you.

12. EVENTS AND EFFECT OF DEFAULT:

Events of Default

You will be in default if you: 

• Fail to make any payment when due;

• Violate, or are unwilling or unable to perform, any provision of this Agreement;

• Pass away or become incompetent;

• Become the subject of bankruptcy or insolvency proceedings;

• Supply us with any misleading, false, incomplete, or incorrect information or signature, or fail to supply us with any 

information we deem necessary;

• Exceed your Credit Line; or

• Give us a payment returned unpaid by your bank or financial institution for any reason.

Collection Costs

Our Rights

You agree to pay all costs of collection (including reasonable attorneys’ fees and expenses) if we take any action to 
collect this Account after default, if permitted and to the maximum amount permitted by applicable law.

If you are in default, we may suspend or close your Account, require you to pay the full amount you owe immediately, or 
take any other action permitted by law. This may happen without prior notice unless otherwise required by applicable law. 
If we exercise our rights, this Agreement will continue to apply to your Account.

13. OUR RIGHTS AND REMEDIES AND LIMITATION OF LIABILITY:

Amendment of this Agreement

Termination

Our Liability

We may amend this Agreement from time to time, in any respect, and give you written notice if required by law. An 
amendment may change something in this Agreement (for example, the rate of interest on any or all transaction types), 
add something new, or take something out. Amendments will apply to outstanding balances and new Purchases and 
Cash Advances, except as otherwise indicated in any written notice or as otherwise provided by applicable law. This 
Agreement, except when amended in accordance with this Agreement, is the final expression of the Agreement between 
you and us and may not be contradicted by evidence of any alleged oral agreement.

We may terminate your Account or this Agreement at any time for any reason without prior notice, subject to limitations of 
applicable law. After termination, you will not be able to make new Purchases or Cash Advances but you will still have to 
pay any remaining balance in full. All other provisions of this Agreement will continue to apply.

We are not responsible for any Merchant’s failure to accept payment using the PayPal Credit Payment System. Our 
liability is limited to that determined by applicable law and will only include your actual damages.

Remedies Cumulative

Our remedies under this Agreement shall be cumulative and not alternative.

Delay of Enforcement

We can delay enforcing any of our rights under this Agreement without losing them. Any waiver by us of any provision of 
this Agreement will not be a waiver of the same or any other provision on any other occasion.

Severability

Except as otherwise provided herein, if any provision of this Agreement is held to be invalid or unenforceable, such 
determination shall not affect the validity or enforceability of the remaining provisions of this Agreement.

14. BOOK ENTRY SYSTEM:

You hereby appoint Bill Me Later, Inc. as your agent in maintaining, and Bill Me Later, Inc. agrees to maintain, a book entry system that records the identity of 

the owner of each Purchase and Cash Advance on the Account. The right to the principal of, and stated interest on, each Purchase and Cash Advance on 

the Account may only be transferred through the book entry system maintained by Bill Me Later, Inc. This section does not affect any of your obligations 

under this Agreement. This section does not limit or waive any of your rights, including but not limited to your Billing Rights.

15. ASSIGNMENT:

You may not assign, delegate, or otherwise transfer any of your rights, privileges, or obligations under this Agreement. Any attempt by you to assign, 
delegate, or transfer will be void and of no effect. We may assign any and all of our rights under this Agreement at any time without your consent. Any 

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person, company, or bank to whom we assign this Agreement shall be entitled to all of our rights under this Agreement. None of your rights or obligations 

shall be affected by such assignment.

16. CREDIT INVESTIGATION AND REPORTING:

You authorize us and/or Bill Me Later, Inc. to make or have made any credit, employment, and investigative inquiries we deem appropriate related to your 

application for credit, this Account, and the collection of amounts owed on this Account. You agree that we and/or Bill Me Later, Inc. have the right to obtain 

credit reports on you in connection with (1) your application for this Account, (2) any potential Credit Line increase and (3) as we deem reasonably necessary 

to maintain and collect this Account. You authorize us to answer any questions about our experience with you related to this Account and to report that 
experience to credit reporting agencies.

17. COMMUNICATIONS BETWEEN YOU AND US:

COMMUNICATIONS CONCERNING 
DISPUTED DEBTS

ALL COMMUNICATIONS BY YOU TO US CONCERNING DISPUTED DEBTS, INCLUDING AN INSTRUMENT 
TENDERED AS FULL SATISFACTION OF THE ACCOUNT, MUST BE SENT TO: PayPal Credit, P.O. Box 5018, 
Timonium, MD 21094.

Notices & Customer Service

Except as provided in “COMMUNICATIONS CONCERNING DISPUTED DEBTS,” you may send written notices, 
correspondence, inquiries, and questions concerning your Account to us at PayPal Credit, P.O. Box 5138, Timonium, 
MD 21094. You may also call our customer service department at 1-866-528-3733.

Consent to Communications

We and/or Bill Me Later, Inc. may contact you using postal mail, email, and/or telephone. In order to contact you more 
efficiently, we and/or Bill Me Later, Inc. may at times also contact you using autodialed and/or prerecorded message calls 
or text messages at the telephone number(s) you have provided us. We and/or Bill Me Later, Inc. may place such calls or 
texts to (i) provide servicing related communications about your Account or Account activity, (ii) investigate or prevent 
fraud, or (iii) collect a debt owed to us. You agree that we and/or Bill Me Later, Inc. and our service providers may contact 
you using autodialed and/or prerecorded message calls and text messages to carry out the purposes we have identified 
above. We and/or Bill Me Later, Inc. may share your phone number(s) with service providers that we contract with to 
assist us in carrying out these purposes, but will not share your phone number(s) with third parties for their own purposes 
without your consent. Standard telephone minute and text charges may apply. We and/or Bill Me Later, Inc. and our 
service providers will not use autodialed or prerecorded message calls or texts to contact you for marketing purposes at 
the telephone number(s) you designate unless we receive your prior express written consent and you have not revoked 
such consent. You may contact our customer service department at 1-866-528-3733 to ask that we not contact you using 
autodialed and/or prerecorded message calls or text messages.

Monitoring & Recording

We and/or Bill Me Later, Inc. may monitor, tape, or electronically record our telephone calls with you, including any calls 
with our and/or Bill Me Later, Inc.’s customer service department, collection department, and any other department.

Emails

You consent to our/Bill Me Later, Inc. emailing you for any lawful purpose, including marketing. You may withdraw 
consent to us sending you commercial emails by changing your "email preferences" at www.billmelater.com or 
www.paypal.com, or by "unsubscribing" when we send you an email.

18. GOVERNING LAW, FORUM:

Governing Law

Forum for Disputes

This Agreement has been accepted by us in the state of Utah, and all extensions of credit will be made by us in the state 
of Utah. Regardless of the state of your residence or the place where the Merchant is located, you agree that the 
provisions of this Agreement relating to interest, charges, and fees shall be governed by Federal law and construed in 
accordance with Federal law and, as made applicable by Federal law, the law of the state of Utah. Other terms and 
provisions shall be governed by and construed in accordance with applicable law of the state of Utah, without regard to 
principles of conflicts of law, except to the extent preempted, superseded, or supplemented by Federal law.

Additionally, except to the extent preempted, superseded, or supplemented by Federal law and except as otherwise 
stated in this Agreement, the laws of the State of Utah, without regard to principles of conflict of laws, will govern any 
claim or dispute that has arisen or may arise between you and us.

Except as otherwise agreed by the parties, in the event that the Agreement to Arbitrate in Section 19 below is found not to 
apply to you or to a dispute either as a result of your decision to opt-out of the Agreement to Arbitrate or by the arbitrator 
or a court order, you agree that any claim or dispute you may have against us must be resolved by a court located in 
Utah. You agree to submit to the personal jurisdiction of the courts located within Utah for the purpose of litigating all such 
claims or disputes.

19. AGREEMENT TO ARBITRATE:

Please read this provision carefully. It affects your rights and will impact how legal claims you and we have against each other are resolved if you do not opt-out of this 
Agreement to Arbitrate. 

Opt-Out Procedure

IF YOU ARE A NEW PAYPAL CREDIT USER, YOU CAN CHOOSE TO REJECT THIS AGREEMENT TO ARBITRATE 
("OPT-OUT") BY MAILING US A WRITTEN OPT-OUT NOTICE ("OPT-OUT NOTICE"). THE OPT-OUT NOTICE MUST 
BE POSTMARKED NO LATER THAN 30 DAYS AFTER THE DATE YOU AGREE TO THE TERMS AND CONDITIONS 
FOR THE FIRST TIME. YOU MUST MAIL THE OPT-OUT NOTICE TO BILL ME LATER, INC., ATTN: LITIGATION 
DEPARTMENT, RE: OPT-OUT NOTICE, 2211 NORTH FIRST STREET, SAN JOSE, CA 95131.

For your convenience, we are providing an Opt-Out Notice form at 
https://www.paypal.com/us/webapps/mpp/ua/ppc-optout

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which you must complete and mail to opt out of the Agreement to Arbitrate. You must complete the Opt-Out Notice form 
by providing the information called for in the form, including your name, address, phone number, email address, and 
Account number of the Account to which the opt-out applies. You must sign the Opt-Out Notice for it to be effective. This 
procedure is the only way you can opt out of the Agreement to Arbitrate. If you opt out of the Agreement to Arbitrate, all 
other parts of the Terms and Conditions will continue to apply. Opting out of this Agreement to Arbitrate has no effect on 
any previous, other, or future arbitration agreements that you may have with us.

You and We Agree to Arbitrate 
Disputes Between Us

If a dispute arises between you and us, our goal is to learn about and address your concerns and, if we are unable to do 
so to your satisfaction, to provide you with a neutral and cost effective means of resolving the dispute quickly. If you have 
a concern, please contact us first at (866) 528-3733 and we will do our best to resolve your concern to your satisfaction.

Unless you opt out of the Agreement to Arbitrate, you and we each agree to resolve any Claims (as defined 
below) in accordance with the provisions set forth in this Agreement to Arbitrate. Pursuant to this Agreement to 
Arbitrate, any Claims will be resolved exclusively through final and binding arbitration, rather than in court, 
except that you may assert Claims in small claims court, if your Claims qualify and so long as the matter remains 
in such court and advances only on an individual (non-class, non-representative) basis. The Terms and 
Conditions evidence a transaction in interstate commerce, and thus the Federal Arbitration Act, 9 U.S.C. § 1 et 
seq., governs the interpretation and enforcement of this Agreement to Arbitrate. The Agreement to Arbitrate shall 
survive the closing of your Account and/or the termination of the Terms and Conditions.

Claims Subject to Arbitration

We and you (including users, custodians, and beneficiaries of your Account) agree to arbitrate any and all disputes or 
claims between you and us, including claims involving Bill Me Later, Inc. and its or the Lender’s agents, employees, 
officers, directors, predecessors in interest, and successors and assigns (“Claim(s)”). This Agreement to Arbitrate is 
intended to be broadly interpreted. Claims include, but are not limited to: 

Notice of Dispute

Prohibition of Class and 
Representative Actions and Non-
Individualized Relief

Arbitration Procedures

• Federal and state statutory claims, common law claims, and those based in contract, tort, fraud, misrepresentation or 

any other legal theory;

• Claims or disputes that arose before the effective date of the Terms and Conditions or any prior Terms and 

Conditions (including, but not limited to, claims relating to advertising, promotions, or disclosures); and

• Claims or disputes that may arise after the termination of the Terms and Conditions.

A party who intends to seek arbitration must first send to the other, by certified mail, a completed form Notice of Dispute 
("Notice"). You may download a form Notice at 
https://www.paypal.com/us/webapps/mpp/ua/ppc-notice-dispute.
Any Notice to the Lender or Bill Me Later, Inc. should be sent to Bill Me Later, Inc., Attn: Litigation Department, Re: Notice 
of Dispute, 2211 North First Street, San Jose, CA 95131. We will send any Notice to you to the mailing address we have 
on file associated with your Account; it is your responsibility to keep your mailing address up to date. All information called 
for in the Notice must be provided, including a description of the nature and basis of the Claims the party is asserting and 
the relief sought.

If you and we are unable to resolve the Claims described in the Notice within 30 days after the Notice is sent, you or we 
may initiate arbitration proceedings. A form for initiating arbitration proceedings is available on the website of the 
American Arbitration Association ("AAA") at www.adr.org.

YOU AND WE AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL 
BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE 
ACTION OR PROCEEDING. UNLESS BOTH YOU AND WE AGREE OTHERWISE, THE ARBITRATOR(S) MAY NOT 
CONSOLIDATE OR JOIN MORE THAN ONE PERSON'S OR PARTY'S CLAIMS AND MAY NOT OTHERWISE 
PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE 
ARBITRATOR(S) MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) 
ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO 
PROVIDE RELIEF NECESSITATED BY THAT PARTY'S INDIVIDUAL CLAIM(S). ANY RELIEF AWARDED CANNOT 
AFFECT OTHER PAYPAL CREDIT USERS.

Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator or arbitrators instead of a judge or 
jury, and court review of an arbitration award is very limited. However, the arbitrator(s) can award the same damages and 
relief on an individual basis that a court can award to an individual. The arbitrator(s) also must follow the terms of these 
Terms and Conditions as a court would. All issues are for the arbitrator(s) to decide, except that issues relating to 
arbitrability, the scope or enforceability of this Agreement to Arbitrate, or the interpretation of the subsection above 
entitled "Prohibition of Class and Representative Actions and Non-individualized Relief," shall be for a court of competent 
jurisdiction to decide. The arbitration will be conducted by the AAA under its rules and procedures, including the AAA's 
Consumer Arbitration Rules (as applicable), as modified by this Agreement to Arbitrate. The AAA's rules are available at 
www.adr.org.

The arbitration shall be held in the county in which you reside or at another mutually agreed location. If the value of the 
relief sought is $10,000 or less, you or we may elect to have the arbitration conducted by telephone or based solely on 
written submissions, which election shall be binding on you and us subject to the discretion of the arbitrator(s) to require 
an in-person hearing, if the circumstances warrant. Attendance at an in-person hearing may be made by telephone by 
you and/or us, unless the arbitrator(s) requires otherwise.

The arbitrator(s) will decide the substance of all claims in accordance with applicable law, including recognized principles 
of equity, and will honor all claims of privilege recognized by law. The arbitrator(s) shall not be bound by rulings in prior 
arbitrations involving different PayPal Credit users, but is/are bound by rulings in prior arbitrations involving the same 
PayPal Credit user to the extent required by applicable law. The award of the arbitrator(s) shall be final and binding, and 

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Costs of Arbitration

Severability and Future Amendments 
to the Agreement to Arbitrate

judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. Any 
settlement offer made by you or us shall not be disclosed to the arbitrator.

Payment of all filing, administration, and arbitrator fees will be governed by the AAA's rules, unless otherwise stated in 
this Agreement to Arbitrate. If the value of the relief sought is $10,000 or less, at your request, we will pay all filing, 
administration, and arbitrator fees associated with the arbitration. Any request for payment of fees by us should be 
submitted to the AAA in your Demand for Arbitration and we will make arrangements to pay all necessary fees directly to 
the AAA. If the value of the relief sought is more than $10,000 and you are able to demonstrate that the costs of 
accessing arbitration will be prohibitive as compared to the costs of accessing a court for purposes of pursuing litigation 
on an individual basis, we will pay as much of the filing, administration, and arbitrator fees as the arbitrator deems 
necessary to prevent the cost of accessing arbitration from being prohibitive. In the event the arbitrator determines the 
Claim(s) you assert in the arbitration to be frivolous, you agree to reimburse us for all fees associated with the arbitration 
paid by us on your behalf that you otherwise would be obligated to pay under the AAA's rules.

With the exception of any of the provisions in the subsection of this Agreement to Arbitrate titled "Prohibition of Class and 
Representative Actions and Non-Individualized Relief," if a court decides that any part of this Agreement to Arbitrate is 
invalid or unenforceable, the other parts of this Agreement to Arbitrate shall still apply. If a court decides that any of the 
provisions in the subsection of this Agreement to Arbitrate titled "Prohibition of Class and Representative Actions and 
Non-Individualized Relief" is invalid or unenforceable, then the entirety of this Agreement to Arbitrate shall be null and 
void. The remainder of the Terms and Conditions will continue to apply.

Notwithstanding any provision in the Terms and Conditions to the contrary, you and we agree that if we make any 
amendment to this Agreement to Arbitrate (other than an amendment to any notice address or website link provided in the 
Agreement to Arbitrate) in the future, that amendment shall not apply to any Claim that was filed in a legal proceeding 
against us prior to the effective date of the amendment. The amendment shall apply to all other disputes or Claims 
governed by the Agreement to Arbitrate. We will notify you of amendments to this Agreement to Arbitrate by posting the 
amended terms on www.billmelater.com and www.paypal.com at least 30 days before the effective date of the 
amendments and by providing mail notice. If you do not agree to these amended terms, you may close your Account 
within the 30 day period and you will not be bound by the amended terms.

20. BILLING RIGHTS NOTICE:

The following notice is required by Federal law. In this notice, "credit card purchases" means Purchases and Cash Advances made with this Account.

Your Billing Rights: Keep This Document For Future Use

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at: PayPal Credit, P.O. Box 5018, Timonium, MD 21094.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

• Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us:

• Within 60 days after the error appeared on your statement.

• At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us or email us, but if you do we are not required to investigate any potential errors and you 

may have to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

• We cannot try to collect the amount in question, or report you as delinquent on that amount.

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount.

• While you do not have to pay the amount in question, you are responsible for the remainder of your balance.

• We can apply any unpaid amount against your credit line.

After we finish our investigation, one of two things will happen:

• If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.

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• If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the 

amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we 
cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as 

delinquent, and we must let those organizations know when the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with 

the merchant, you may have the right not to pay the remaining amount due on the purchase.

To use this right, all of the following must be true:

1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. 

(Note: Neither of these are necessary if your Purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or 
services.)

2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do 

not qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: PayPal Credit, P.O. Box 5018, Timonium, MD 
21094.

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that 

point, if we think you owe an amount and you do not pay, we may report you as delinquent.

TCPPC19.991016

© 1999–2016 

Privacy

Legal

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Pricing Addendum to the PayPal Credit Terms and Conditions

Interest Rate and Interest Charges

Annual Percentage Rate (APR) for Standard 

Purchases

APR for Cash Advances

19.99%

19.99%
Your due date is at least 25 days after the close of each billing cycle. We 

How to Avoid Paying Interest

will not charge any interest on Standard Purchases or Cash Advances if 

you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $2.00.

For Credit Card Tips from the Consumer Financial 

Protection Bureau

To learn more about factors to consider when applying for or using a 

credit card, visit the website of the Consumer Financial Protection 

Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee

Penalty Fees

None

Late Payment Fee

Return Check Fee

Up to $35.00

Up to $25.00

How We Will Calculate Your Balance

The Lender uses a method called "average daily balance (including new Purchases and Cash Advances)." See the PayPal 

Credit Terms and Conditions, Section 7, for more details.

Billing Rights

Information on your rights to dispute transactions and how to exercise those rights is provided in the PayPal Credit 

Terms and Conditions.