Finance Your Purchases
We want to give all of our customers the payment flexibility and assurance that they can get exactly what they need for their perfect aquatic habitats.
Here at Two Tides, we offer all of our customers the opportunity to finance any of their purchases over 6 months with 0% interest.
We do this through offering payments through PayPal Credit. PayPal Credit is a service offered by PayPal that links directly with your Paypal account and instantly establishes a credit line that you can use to spread out larger purchases of $99 or more over 6 months. These purchases will be subject to 0% interest if the payment is made in full within the 6 months.
*Please Note: When you have been approved for a PayPal Credit account and would like to make a purchase with credit, we recommend you make PayPal credit your "preferred payment type" before checking out to make things easier for you. For instructions on how to do this, look for the question on this page entitled, "How do I select PayPal Credit as my preferred way to pay?"
Below we've listed some more information about PayPal credit with some links to the PayPal website to learn more. If you have any questions about how PayPal works on our website, email us at email@example.com and we will be happy to run through with you how it all works. If you have general questions about PayPal credit, we recommend calling them at 1-866-528-3733.
Happy Tanking! :)
PayPal Credit Basics
What is PayPal Credit?
PayPal Credit is an open end (revolving) credit card account that provides a reusable credit line built into your account with PayPal giving you the flexibility to pay for your purchases right away or pay over time. It’s easy to apply, easy to use and there whenever you need it. PayPal Credit is subject to credit approval and is offered by Synchrony Bank. View PayPal Credit Terms and Conditions (These are the same Terms and Conditions you agree to when signing up for a PayPal Credit account).
How do I apply for PayPal Credit?
When you apply for PayPal Credit, you’ll be asked to provide your date of birth, your income after taxes and the last 4 digits of your Social Security number, and then to agree to the Terms and Conditions. You’ll know within seconds if you are approved. And here’s the cool thing: your PayPal Credit account will be linked to your PayPal account and you’ll see it as a payment option every time you check out with PayPal. Apply For PayPal Credit.
Is there an annual fee to use PayPal Credit?
No! There is no annual fee to use PayPal Credit. See the Terms and Conditions.
Why should I use PayPal Credit for my PayPal purchases?
Get No Interest if paid in full in 6 months on purchases of $99 or more when you check out with PayPal and pay with PayPal Credit. Minimum Monthly Payments are required during and after the 6 month promotional period. Plus, score valuable discounts and special financing offers when you use PayPal Credit. You can also review all of your purchases and pay your bill through PayPal.com. Learn more about the benefits of PayPal Credit.
Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months. Subject to credit approval. See Terms.
What if I do not currently have an account with PayPal?
The first step of the PayPal Credit application process will ask you to sign into PayPal or give you the ability to sign up for PayPal. Once you’ve signed up for a PayPal account, you can begin the application for PayPal Credit. Signing up for PayPal is free. Sign up for PayPal and apply for PayPal Credit.
Do I have a Credit Line and how much will it be?
Upon approval, your PayPal Credit account will be assigned a credit line of at least $250 based on your credit worthiness.
You can confirm your credit line details by logging into your account.
What is the Annual Percentage Rate (APR)?
For New Accounts: Variable Purchase APR is 26.24%. The APR is accurate as of 3/1/2019 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00. For more info on interest rates, please read the beginning of the Terms and Conditions.
What does ‘Subject to Credit Approval’ mean?
Synchrony Bank will review and consider your credit report and other credit related information prior to opening your account and establishing your credit line. This process happens in a matter of seconds as part of the PayPal Credit application process.
Using PayPal Credit
How do I use PayPal Credit?
You can use PayPal Credit just about anywhere PayPal is accepted.
To use PayPal Credit, simply checkout using PayPal and select PayPal Credit as your payment method. Learn more about how to use PayPal Credit at checkout and about how to manage payments.
How does the "No Interest if paid in full in 6 months on purchases of $99 or more" offer work?
You'll have the option to pay No Interest for 6 months, on qualifying purchases of $99 or more. As long as you pay in full by the promotion expiration date, you will not be billed interest for that purchase. Minimum payments are required. If you do not pay in full, interest will be charged from the purchase date and will be billed to your account. You must pay in full to avoid accrued interest from the purchase date and you must make your minimum payment requirements to avoid late charges. Learn more about this special financing offer.
Note: PayPal Credit promotional financing offers do not apply to send money transactions.
How do I select PayPal Credit as my preferred way to pay?
At checkout, you’ll have the option to select PayPal Credit as your payment method. You can also set PayPal Credit as your preferred way to pay. That way, as long as you have available credit in your PayPal Credit account, every purchase you make with PayPal uses your PayPal Credit account as the preferred way to pay. Additionally, some merchants have a PayPal Credit option at checkout. If they do, you can simply choose that option. Learn more about setting PayPal Credit as your preferred way to pay.
Alternatively, you can always login to your PayPal account, go to you Wallet, select Paypal Credit on the left, and click "Set as Preferred".
Do you check my credit report every time I make a purchase?
No. A credit report is only reviewed when you apply for PayPal Credit. Periodically, we'll obtain updates of your report, but these updates have no impact on your credit score.
How do I increase my credit line with PayPal Credit?
We don't accept individual requests to increase credit line amounts. If you try to make a purchase that would cause your outstanding balance to be above your credit line, we may evaluate your account for a Credit Line increase. We may also, in certain cases, allow you to complete a purchase that would cause your outstanding balance to be above your credit line without evaluating your account for a credit line increase. This process happens seamlessly during checkout and doesn't slow down the checkout process. If you attempted a purchase that would cause your outstanding balance to be above your credit line and your credit line wasn't increased, you might want to verify that you’ve provided us with your most up to date income. Provide/Update your income after taxes.
Keeping your account profile and income information up to date may help you qualify for real-time credit line increases in the future if you attempt a purchase that exceeds your credit line.
Can I use PayPal Credit to send money?
Yes! Simply log in to PayPal.com and select the Send Money tab. Select PayPal Credit as your payment method, then confirm your payment details. When you use PayPal Credit to send money, PayPal will charge a flat fee of 2.9% + $.30 US dollars per transaction that is included in your payment total. This is the same fee you pay when you use a debit or credit card to send money through PayPal.
Note: PayPal Credit promotional financing offers do not apply to send money transactions.
Does PayPal Credit protect me from liability for unauthorized charges?
Yes! PayPal Credit provides zero fraud liability protection, the same protection provided by most major credit cards. This means you’re not responsible for unauthorized charges.
How are my minimum monthly payments calculated?
Minimum monthly payments are required in accordance with the standard account terms. It is very important to note that the required minimum monthly payments may or may not pay off your purchase by the end of the promotional period. If you want to ensure that your purchase is paid before the end of the promotional period (to avoid interest), you should schedule additional or larger payments accordingly.
What is the interest rate and will it change?
Interest will be charged to your account from the purchase date if the promotional purchase balance is not paid in full within the promotional period. Although interest will accrue at the standard rate applicable to your account, it will only be assessed and added to your account as a lump sum at the end of the promotional period if the promotional purchase balance is not paid in full by the expiration date shown on your statement.
How do I avoid paying interest?
To avoid paying interest, be sure to pay your promotional purchase balance by the expiration date. Pay your promotional balance in full before the end of the promotional period to avoid interest. If you do not make a payment on time, you will be charged a late fee. See Terms for details.