BML Product Overview

Power Up Your PayPal™
Account In Seconds With a Built-in Credit Line

  • Get Instant Credit — No lengthy application to fill out, just answer two quick questions, accept the terms, and a get a decision in seconds
  • Easy — No credit card required
  • Convenient — Manage all of your Bill Me Later purchases at
  • No Annual Fee

Curious About Bill Me Later?

What is Bill Me Later?

Bill Me Later is a convenient and secure way to pay for your purchases while shopping on eBay and almost everywhere PayPal is accepted. Bill Me Later lets you pay for your purchases with 2 simple steps — just enter your birth date and the last 4 digits of your Social Security number and accept the terms. Approval takes only seconds.

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How does Bill Me Later work with PayPal?

The next time you check out with PayPal simply select Bill Me Later as your preferred payment method. A window will appear on your screen asking for your birth date and the last 4 digits of your Social Security number. Approval takes only seconds. Once approved, Bill Me Later will automatically be added to your PayPal account.

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How do I pay for Bill Me Later purchases?

To make a payment toward your Bill Me Later balance, simply log in to your Bill Me Later account at and you can choose to pay in full or over time (interest charges apply). Plus, if you use Bill Me Later through PayPal, you can also view your purchases and pay your bill on Even though your purchases appear in both places, you will only be charged once.

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Is there an annual fee to use Bill Me Later?

There is no annual fee for using Bill Me Later.

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What is the Annual Percentage Rate?

The Annual Percentage Rate is 19.99%. The Minimum Finance Charge is $2.00. Of course, you can choose to pay your entire balance by the payment due date and not incur finance charges.

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If I pay late, will there be a fee?

If a minimum payment is not received by your payment due date (found on your statement) you will be charged a late fee in the amount of the missed payment — up to $25 the first time you are late. Subsequent late payments will be charged a late fee up to $35.

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What does "Subject to Credit Approval" mean?

Bill Me Later is a line of credit provided by Comenity Capital Bank. Comenity Capital Bank will review and consider your credit report and other credit-related information prior to opening your account and establishing your buying power. Creditworthiness is determined by Comenity Capital Bank and only takes a matter of seconds as part of the checkout process.

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Do you review my credit report every time I make a purchase?

No, a credit report is reviewed when you apply for a Bill Me Later account and occasionally when you ask for an increase in your credit line. Periodically, updates of your report are obtained, but these updates have no impact on your credit score. Your account is reviewed quarterly. If for any reason your credit line is reduced, you will be notified of the reason in writing.

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How do I increase my credit line with Bill Me Later?

When you attempt to make a purchase for an amount above your credit line, it will be treated as a request for a credit line increase. Your eligibility for a credit increase is determined by your credit history and customer history with Bill Me Later. This entire process happens seamlessly during the checkout process — you literally don't do anything on your end, and best of all, it won't slow down your checkout.

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What if I want to use Bill Me Later every time I check out with PayPal?

Terrific idea! Just log into your PayPal account, click "Profile," select "Bill Me Later," then click "Update Preferences."

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Does PayPal Purchase Protection apply to my Bill Me Later purchases?

When you checkout with PayPal and choose Bill Me Later as your funding source, the purchases are covered under PayPal's Purchase Protection program. See Eligibility.

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Bill Me Later is subject to credit approval as determined by the lender, Comenity Capital Bank and is available to US customers who are of legal age in their state of residence.

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