The news: PayPal extended its installment availability in France, offering Pay in 6, 12, or 24 installments, per a press release.

Transactions between €120 and €2,900 ($136.47 and $3,298.10) will qualify for longer-term loans; the interest rate will depend on purchase amount, term length, and the consumer’s credit profile.

Why this matters: BNPL accounted for 9% of Europe’s ecommerce transaction value in 2025—more than double the global average, per Worldpay’s Global Payment Report 2026. This positions PayPal to pick up more payment volume from French adults through interest-bearing loans—where a US adult would more likely put those purchases on credit cards to earn the rich rewards that aren’t as common in the EU.

This helps PayPal deepen engagement with customers through longer installment periods for larger purchases—a key objective for BNPL providers trying to generate growth in a post-maturity installment market. We forecast BNPL value and spend per user growth will fall over the next few years.

Implication for payment providers: Advertising robust credit options for installment purchases may entice more users trying to avoid the pitfalls of revolving credit for large purchases. 

Expanding BNPL offerings into big-ticket categories like home and car repairs; medical, dental, and veterinary services, and luxury wellness services could help snag volume from users in need of financing fast for unavoidable purchases.

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