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Retail Installment Financing Offered by:

Community Finance




A large ticket purchase can be a large and draining expense. Keep your cash in your bank account. Having a cash buffer can really help when you need it.


Purchase the better product you really want with our Installment Lease.


Instead of paying all at once, pay for your products in comfortable installments. Community Finance (CF) offers our convenient Installment Leases that are straight-forward, very affordable, and easy to understand.


If you wish to pay off your Installment Lease early with CF you may always do so at absolutely no cost! There are never any prepayment penalties, early payoff charges or anything of the sort. In fact, we actually give discounts if you want to pay off early!


CF understands that there are times when it’s a bit tight to make a payment. In times like these, CF customers can choose to skip a payment with our Skip-A-Payment option. You just call or email us, telling us which payment you’d wish to skip. The payment will simply be put to the end of the term. There is no charge what-so-ever
to use this handy feature. Customers have the option to skip two payments within any twelve month period.*


Community Finance now offers our new Group Installment Lease program! When customers want a larger ticket item there are usually accessories to go along with it. You can also purchase multiple items that are not even related. With CF’s Group Installment Lease program, all these items can be grouped together for one simple payment. Its completed with one contract and it’s all processed with a customer’s single application.


Community Finance’s staff has over 15 years of financing and customer service experience. We believe in the Golden Rule and will always take great care of you. If you ever have any questions, give us a call!

*Skip-A-Payment option becomes available after the first four payments.
Also, your two Skip-A-Payment options cannot be used back to back.
They can be used separately at any time.



 "No Payments + No Interest if paid in full in 6 Months" 

Apply for PayPal Credit and start enjoying more time to pay

PayPal Credit is the simple, flexible credit line built into your PayPal account. Apply now and get a decision in seconds.

Frequently asked questions

Q: What is PayPal Credit?

A: PayPal Credit is a line of credit from Comenity Capital Bank that gives you the flexibility to pay for your purchase now, or pay over time. It’s easy to apply and easy to use.

Q: How does PayPal Credit work?

A: You can use PayPal Credit on purchases at thousands of stores that accept PayPal. It’s also available for purchases on eBay and exclusively at thousands of other online stores.
Here's how:
  • Check out with PayPal and then choose PayPal Credit.
  • Answer 2 quick questions and accept the terms.
  • You’ll know within seconds if you are approved.
  • Look for your PayPal Credit statement via email.
If your PayPal Credit account is linked to your PayPal account, your offers may vary.

Q: How do I start using PayPal Credit?

A: Select PayPal Credit as your payment choice during checkout. You’ll be asked to provide your date of birth and your Social Security number, and then to agree to the terms and conditions, to apply for a PayPal Credit account. 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.

Q: How does the "No Payments + No Interest if paid in full in 6 Months" offer work?

A: You’ll have the option to make no payments for 6 months, on qualifying purchases. You will receive monthly statements and can make payments at any time. As long as you pay in full by the promotion expiration date, you will not be billed interest for that purchase. If you do not pay in full, interest will be calculated from the posting date (which is usually within a few days after the purchase date) and will be billed to your account.

Q: How do I pay my PayPal Credit bill?

A: You’ll receive monthly statements and can choose to pay in full or over time (interest charges may apply). For your convenience, once you link your PayPal Credit and PayPal accounts, you can keep track of your purchases and make payments on PayPal.com. Pay your balance due from either your PayPal balance or your bank account.

You can also mail your payments in to:
PayPal Credit 
P.O. Box 105658
Atlanta, GA 30348-5658

Q: Is there an annual fee to use PayPal Credit?

A: Nope! There is no annual fee to use PayPal Credit. See the Terms and Conditions.

Q: Do I have a Credit Line and how much will it be?

A: Yes. Once you’re approved, Comenity Capital Bank will open a PayPal Credit account with a Credit Line of at least $250.

Q: How do I increase my credit line with PayPal Credit?

A: You can continue to use PayPal Credit for purchases and, if those purchases cause your outstanding balance to exceed your credit line, we’ll evaluate you for a credit line increase. Your eligibility for a credit increase is determined by your credit history and customer history with PayPal Credit, and the Terms and Conditions. This will happen automatically during checkout, so you don’t even need to ask.

Q: What is the Annual Percentage Rate (APR)?

A: The Annual Percentage Rate for standard purchases and cash advances on a PayPal Credit line is 19.99%, although some special offers have a lower, promotional APR. The Minimum Interest Charge is $2.00. Of course, you can choose to pay your entire balance by the payment due date to avoid interest charges. Learn more about the interest rate.

Q: I have a separate PayPal Credit (formerly Bill Me Later) account. How do I add it to my PayPal account?

A: It’s easy! There are three ways to link your PayPal Credit and PayPal accounts:
Log in to your PayPal account, click Profile, select “PayPal Credit,” then click Update Preferences.
Click here or enter billmelater.com/linkpaypal into your browser for step-by-step instructions.
The next time you’re checking out with PayPal, just select PayPal Credit as your way to pay.

Q: What if I do not currently have a PayPal account?

A: In order to link your PayPal Credit and PayPal accounts, you must first open a PayPal account. If you do not already have a PayPal Credit account, you can sign up for both accounts at the same time.

Q: What if my PayPal account is blocked or closed?

A: If your PayPal account is blocked or closed, you will not be able to go through the online linking process. Please call PayPal Credit Customer Service at 1-888-221-1161 and we will do our best to help.