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Sorry if making payments to PayPal Credit has caused frustration. Bank transfers normally take 3-5 business days to process. When you make a payment to a credit product, the credit company will usually post the payment in a couple of days hoping that the payment will clear. If there are transactions larger than normal, the system will make sure the payments clear before they're added to your balance. For either of these processes, we wouldn't earn interest on your money as bank transfers are handled by the government. I hope this helps clear up some confusion on making payments to PayPal Credit.