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For a qualifying U.S. PayPal Credit purchase with a six-month deferred-interest offer, pay the full promotional balance by the offer’s end date to avoid interest on that purchase. If a balance remains when the offer expires, interest can be charged retroactively from the purchase date—not just from the deadline. You must still make at least the minimum payment shown on each statement.
When does PayPal Credit start charging interest?
It depends on the purchase. A qualifying transaction with a deferred-interest promotion has a deadline set by that offer; an ordinary, non-promotional purchase follows the account’s billing-cycle rules. Six months is not a universal interest-free period for every PayPal Credit purchase.
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Qualifying six-month promotional purchases
PayPal’s U.S. product information describes six-month promotional financing for qualifying purchases of $149 or more. Eligibility and terms apply to the individual transaction, so check the offer attached to your purchase rather than assuming it qualifies.
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This is conditional deferred interest, not a permanent waiver. PayPal’s account agreement says that if the deferred-interest purchase balance is not paid in full within the promotional period, interest will be imposed from the purchase date at the variable purchase APR applicable to the account when the purchase was made. In other words, missing the deadline can mean owing interest accumulated from the original purchase date.
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PayPal’s product page likewise warns that interest will be charged from the purchase date if the balance is not paid in full within six months, and that minimum monthly payments are required. See PayPal’s U.S. PayPal Credit information and PayPal’s PayPal Credit FAQ; the offer and deadline shown in your own account govern your transaction.
Ordinary, non-promotional purchases
For non-promotional transactions, PayPal’s agreement generally says it will not charge interest for a billing cycle if the account began that cycle with no balance, or if the opening balance was paid in full by that cycle’s payment due date. This grace-period rule is separate from a deferred-interest offer; do not apply the six-month promotion to an ordinary purchase.
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- This card is non-reloadable. No cash or ATM access. Funds do not expire. If available funds remain on your card after the valid thru date has passed, please call customer service for a replacement card. A one-time purchase fee applies at the time of checkout. No fees after purchase.
- Double check if the URL/website is genuine before entering card details online. Do not provide any gift card details (example: claim code) to someone you do not know or trust. There are a variety of scams in which fraudsters try to trick others into paying with gift cards.
- If you believe that your Card has been lost or stolen, notify Mastercard immediately by calling 1-833-791-7288. You will be asked to provide the Gift Card number and other identifying information.
- Use your Mastercard Gift Card in the U.S. everywhere Mastercard debit cards are accepted, including online. Your Amazon.com Balance cannot be used to purchase Mastercard gift cards.
How to find your deadline and avoid a surprise
- Open your PayPal Credit account and the statement covering the purchase.
- Identify the specific transaction and confirm whether it has a deferred-interest promotion, its promotional end date, and the remaining promotional balance.
- Plan to pay that promotional balance in full by the stated deadline, while also paying at least the statement’s minimum by its due date.
- Check the account and statement again as the deadline approaches to verify the remaining balance and that payments have posted.
PayPal says each payment due date is at least 23 days after the billing cycle closes, but your statement gives the actual due date. A promotional end date may not be the same as the statement due date, so use the deadline attached to the transaction rather than estimating from your monthly bill.
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The minimum payment keeps the account current, but it is not a promise that the promotional balance will be paid off before the offer expires. Make sure your payments are sufficient to eliminate the entire eligible purchase balance by its end date.
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- Mastercard Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Condition: a.co/9V5i70m
- When you access your Mastercard Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
- This Mastercard Virtual eGift Card is non-reloadable. No cash or ATM access. - Mastercard Virtual eGift Cards are emailed active.
- Funds do not expire but your Mastercard Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call Mastercard customer service for a replacement card. A one-time purchase fee applies at the time of checkout.
- This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.
Payment allocation can complicate that calculation. PayPal says it chooses how to allocate the minimum payment; generally, amounts above the minimum go to higher-APR balances before lower-APR balances, subject to legal requirements and special-promotion rules. Do not assume that an extra payment will be applied entirely to a particular promotional purchase.
What APR could apply if the deadline is missed?
PayPal’s U.S. account agreement listed a variable purchase APR of 29.64% as of January 1, 2026. The agreement says the rate varies with the market based on the prime rate, and the applicable rate for deferred-interest purchases is the variable purchase APR that applied to the account when the purchase was made. The stated APR is not a guaranteed rate for every account or a promise about future terms; check your current agreement and account details. See PayPal’s U.S. PayPal Credit account terms.
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PayPal Credit is not the same everywhere
This guidance concerns PayPal Credit in the United States. PayPal’s Credit products and promotional terms can differ by country; use the terms shown for your own account and purchase rather than applying U.S. thresholds or deadlines elsewhere.
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- Visa Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Conditions: a.co/5bw3qXJ
- When you access your Visa Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
- This Visa Virtual eGift Card is non-reloadable. No cash or ATM access. Visa Virtual eGift Cards are emailed active.
- Funds do not expire but your Visa Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call the Toll Free number found on your Visa Virtual eGift Card for a replacement card. A one-time purchase fee applies at the time of checkout.
- This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
