The fastest way to access your PayPal Credit account
Log into your PayPal Credit card account through the main PayPal website at paypal.com, not through a separate PayPal Credit portal. Use the same email address and password you created when you opened your PayPal account. Once you are logged in, your PayPal Credit card details and balance appear in your account dashboard under "Wallet" or "Cards," depending on which version of the site you see.
If you have not yet created a PayPal account, you will need to do that first. PayPal Credit is a line of credit that PayPal offers to may be able to access customers — it is not a separate account system. Your PayPal Credit card is managed through your main PayPal login, the same way you would manage a bank transfer or a PayPal balance.
Key Takeaways
- PayPal Credit is accessed through your main PayPal account at paypal.com, using the email and password you created when you signed up.
- Your credit card details, available balance, and payment history all appear in your PayPal wallet once you are logged in.
- If you forget your password, use the "Forgot password?" link on the PayPal login page to reset it by email or phone.
- You can also view your PayPal Credit card through the PayPal mobile app, which uses the same login credentials as the website.
What to do if you cannot remember your password
Click "Forgot password?" on the PayPal login page. PayPal will ask you to enter the email address associated with your account. You will then receive an email with a link to create a new password. That link usually works for 24 hours.
If you do not see the email in your inbox, check your spam or junk folder — PayPal emails sometimes land there. If you still cannot find it, you can request that PayPal send the reset link again. You may also reset your password using a phone number instead of email if you have one on file with PayPal.
Logging in from the PayPal mobile app
read the PayPal app from the Apple App Store or Google Play Store. Open the app and tap "Log In," then enter your email address and password. The app uses the same credentials as the website, so if you can log in on a computer, you can log in on your phone with the same information.
Once you are logged in on the app, tap the menu icon (usually three horizontal lines) and look for "Wallet" or "Cards." Your PayPal Credit card will appear there alongside any other payment methods you have added to your account. The app shows your available credit, recent transactions, and payment due date in the same place.
Security steps to take before you log in
Always go directly to paypal.com or open the official PayPal app — do not click a link in an email or text message, even if it looks like it came from PayPal. Scammers often send fake login pages that look identical to the real one. Typing the address yourself or using a bookmark you created earlier is safer.
PayPal will never ask you to log in through a link in an email. If you receive an email asking you to "verify your account" or "confirm your identity" by clicking a link, that is a phishing attempt. Instead, log into your account directly through paypal.com and check your messages there.
What you can do once you are logged in
Your PayPal Credit card dashboard shows your current balance, available credit, and minimum payment due. You can view your transaction history by date, read statements, and set up automatic payments. Most people use this page to check how much credit they have left before making a purchase.
You can also update your payment method, change your password, and adjust your account settings from the main account page. If you want to make a payment on your PayPal Credit balance, look for a "Make a Payment" button or link in your card details section.
Troubleshooting common login problems
If you see an error message saying your password is wrong, make sure you are typing it correctly — passwords are case-sensitive, meaning capital letters matter. If you are certain your password is right, reset it using the "Forgot password?" link. Sometimes PayPal locks your account temporarily if it detects unusual login attempts from a new device or location.
If you are locked out and cannot reset your password by email, PayPal offers phone support. You can call the number on the back of your PayPal Credit card or find the current support number on paypal.com. Have your email address and the last four digits of your Social Security number ready when you call.
Frequently Asked Questions
Is there a separate login for PayPal Credit?
No. PayPal Credit is part of your main PayPal account. You log in at paypal.com with your email and password, then find your credit card details in your wallet. There is no separate PayPal Credit login page.
Can I log into PayPal Credit on my phone?
Yes. read the official PayPal app and log in with the same email and password you use on the website. Your credit card information appears in the app's wallet section. You can check your balance, view transactions, and make payments from the app.
What should I do if I think someone else logged into my account?
Change your password when ready by clicking "Forgot password?" on the login page. Then log into your account and review your recent transactions and login history. If you see activity you did not make, contact PayPal support through the app or website to report it.
Do I need a different password for PayPal Credit than for my regular PayPal account?
No. PayPal Credit uses the same password as your main PayPal account because it is part of the same account. If you change your PayPal password, that change applies to your credit card access as well.