Pay Later loans
Buy-now-pay-later now offered with Amazon in Germany and Austria as of July 2026.
The numbers
Interest and fee revenue from loans receivable increase~$350MFY2025 · vs. 2024 · source ↗
What it is
Short-term consumer credit at checkout, plus merchant loans. PayPal books the interest and fees on these loans in its other value-added services revenue.
Why it matters to the stock. Loan income is a growing part of PayPal's non-transaction revenue, and credit losses are the main risk to it.
News
PayPal and Amazon launch Pay Later installments in Germany and Austria
PayPal and Amazon launched PayPal Ratenzahlung, an installment credit option, on Amazon.de and in the Amazon app, rolling out from August 2026.
Deal