Starting in August 2026, Amazon customers in Germany and Austria will be able to use PayPal installment payments directly at checkout on Amazon.de and in the Amazon app. This allows eligible purchases between 30 and 10,000 euros to be split into fixed monthly installments, with payment terms ranging from 3 to 48 months. PayPal and Amazon officially confirmed the partnership on July 28.
Key Details at a Glance
- Launching in August 2026, rolling out gradually for Amazon.de in Germany and Austria.
- Amounts from €30 to €10,000; terms of 3, 6, 12, 24—and, exclusively on Amazon, also 36 and 48 months.
- Effective annual interest rate: 11.49% p.a.; 0% financing is available for select products.
- A German or Austrian PayPal account and a successful credit check are required.
These terms apply to PayPal installment payments on Amazon
Instead of debiting the purchase amount all at once, PayPal divides it into equal monthly installments. Payments are made via direct debit or debit card, and you’ll receive a reminder via email and text message before each installment is due. According to PayPal, making extra payments or paying off the balance early in full is possible at any time, free of charge. One detail stands out: PayPal offers the long terms of 36 and 48 months exclusively to Amazon customers.
| Feature | Terms |
|---|---|
| Order Value | €30 to €10,000 |
| Term Lengths | 3, 6, 12, 24 months – exclusively on Amazon, also 36 and 48 months |
| Effective Annual Interest Rate | 11.49% p.a. (fixed borrowing rate 10.86–10.91% p.a.) |
| 0% financing | For select products, effective annual interest rate 0.00% p.a. |
| Repayment | Monthly installments via direct debit or debit card; no fee for extra payments |
| Availability | Starting in August 2026, Germany and Austria |
| Requirements | German or Austrian PayPal account, credit check |
Why PayPal Installment Payments on Amazon Are a Significant Step
What’s particularly noteworthy is the partnership behind it. Amazon and PayPal have long been considered competitors, and until now, PayPal wasn’t available as a payment option in the Amazon checkout. With this installment payment option, PayPal is now making a prominent debut on Germany’s largest shopping platform—and, of all things, through its growth area of “Buy Now, Pay Later.” According to PayPal, this move reaches more than 40 million users in the region.
“The introduction of PayPal installment payments on Amazon in Germany and Austria marks an important milestone,” says Carola Wahl, Managing Director for Germany, Austria, and Switzerland at PayPal. Amazon’s DACH head, Rocco Bräuniger, emphasizes the “clear terms with no surprises” within the familiar Amazon environment. Despite the convenience, however, it remains a form of credit: Consumer advocates regularly point out that installment purchases can make it harder to keep track of spending and may contribute to excessive debt. A credit check is therefore required.
When and for whom the installment payment option will be available
PayPal plans to roll out the feature gradually starting in August and continuing over the following weeks. A German or Austrian PayPal account is required; the option will then appear as a separate item in the Amazon checkout. You can view prices and repayment details in advance, and you can manage your installment plans at any time in the PayPal app or online. If you’ve ever had a PayPal payment stuck in processing, check out our guide for the steps to take.
Frequently Asked Questions About PayPal Installment Payments on Amazon
Can you pay in installments with PayPal on Amazon?
Yes, starting in August 2026 in Germany and Austria. The PayPal installment payment option will appear directly in the Amazon checkout and in the Amazon app.
How much does the installment plan cost?
The effective annual interest rate is 11.49% p.a. For select promotional products, interest-free 0% financing is available.
What are the payment terms?
3, 6, 12, and 24 months are standard. Exclusively on Amazon, 36- and 48-month terms are also available for larger purchases.
Conclusion
PayPal installment payments on Amazon bring one of Germany’s most popular payment brands visibly into the Amazon checkout for the first time—with long terms of up to 48 months as a bonus. This can be convenient for larger purchases, especially during 0% interest promotions. Nevertheless, it’s important to remember: A purchase on installments is still a loan with real interest rates. Starting in August, you’ll be able to try out the feature step by step. If you’re planning to make purchases anyway, you should also check to make sure the billing address in your Amazon account is up to date.
