Pay a PayPal Credit bill from your PayPal balance or linked bank account in under two minutes.
TL;DR: Log in to PayPal, open PayPal Credit, choose “Make a Payment,” select your funding source (balance or bank), enter the amount, and confirm. No mailed checks or phone calls needed.
What happens when you pay a PayPal Credit bill?
PayPal Credit is a revolving credit line tucked inside your PayPal account. Each month a statement pops up; the balance can be paid from whatever cash you’ve got in PayPal, a linked bank account, or another funding source. Payments show up on your Experian report and can ding your credit score if you’re late. By 2026 PayPal has stopped mailing plastic PayPal Credit cards, so every purchase and payment happens right inside the app or website.
How do you actually pay the bill?
Here’s the quickest way:
- Open any browser and head to paypal.com.
- Sign in with your email and password.
- Up in the top menu, click “Wallet.”
- Under “PayPal Credit,” hit “View and manage.”
- Choose “Make a Payment.”
- Pick where the money comes from:
- PayPal Balance – uses whatever cash you’ve got first.
- Bank Account – type in the routing and account numbers or pick one you’ve saved before.
- Type in how much you want to send (minimum $25 or your full statement balance, whichever is bigger).
- Choose when it leaves your account (today or any date before the due date).
- Click “Continue” and double-check the summary.
- Hit “Submit Payment.”
- Save or print the confirmation page—just in case.
What if the steps don’t work?
Try these backups:
- Mobile App: Open the PayPal app → tap “PayPal Credit” → “Make a Payment” → follow the prompts.
- Phone Payment: Call PayPal Credit Customer Service at 1-844-373-4961 (U.S. only). Have your account number and the bank or card you want to use ready.
- Mail a Check: Grab the payment coupon from the PayPal Credit page, write your account number on the memo line, and mail it with a check to the address on the coupon. Expect 7–10 business days for it to go through.
How can you avoid future headaches?
- Auto-Pay: In Wallet → PayPal Credit → Settings → turn on “Automatic Payments” and set it to “Pay in full” so you never pay interest.
- Calendar Alert: Add the PayPal Credit due date to your phone’s calendar with a 3-day heads-up so you never miss a payment.
- Spend Within Limit: Keep your PayPal Credit balance below 30% of the credit line—lenders like that.
