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FLEXIBLE PAYMENT

PayPal Credit

Our 0% interest offer is better than just an introductory offer. Simply spend over £99.00 and you get 0% interest for 4 months on that purchase. The great thing is you’ll automatically get 0% for 4 months every time you spend over £99.00. So, if you’re planning a weekend away or fancy splashing out on a new wardrobe, PayPal Credit is the perfect way to spread the cost of those larger purchases.

It’s quick and easy to apply for PayPal Credit – all you need to do is complete a short application form and we’ll give you a decision instantly. If approved and you accept, you’ll have a credit limit attached to your PayPal account to start using straightaway at thousands of online stores.

0% For 4 Months Offer

A 0% interest offer you can use again and again: PayPal Credit’s 0% interest offer is better than just an introductory offer. Every time you spend £99 or more, you will automatically get 0% interest for 4 months on that purchase.*

Plus, you can spread the cost of purchases under £99 at the standard variable rate of interest, currently 21.9% p.a.

* The minimum payment due still applies to 0% offer balances. Any remaining balance due after the 4-month promotional period or any transactions under £99 will be charged interest at 21.9% p.a. (variable). In order to maintain the 0% offer, you need to keep up monthly repayments and stay within your credit limit.

Instalments with PayPal Credit Offer

If your basket is eligible, a selection of 0% instalment offers will be displayed enabling you to spread the cost of your purchase across a number of monthly payments.

With instalment offers from PayPal Credit you get:

  • Regular monthly payments – you pay the same amount each month to help you plan better
  • A credit limit linked with your PayPal account that makes it easier to buy everything you need

The following instalments are offered at 0% APR:

  • 6 and 12 months: minimum spend of £99.00
  • 18 and 24 months: minimum spend £199.00
  • 36 months: minimum spend £750.00
  • 48 months: minimum spend £999.00

HOW DO I APPLY?

Applying for PayPal Credit is easy. For PayPal 0% for 4 months Offer, just click on the PayPal Credit button on our checkout page. Simply complete the short application form and, if approved and once you accept the Credit Agreement, you’ll have a credit limit linked to your PayPal account almost straight away.

For PayPal Instalments, just click on Pay By Finance on our checkout page. A selection of instalment offers will be displayed, enabling you to calculate spreading the cost of your purchase across several payments. Click on the PayPal Credit button within the calculator.

The application form takes minutes to complete. PayPal will then run a credit check and, if approved, you’ll have a credit limit linked to your PayPal account as soon as you accept your Credit Agreement.

DO I NEED TO REAPPLY IF I ALREADY HAVE PAYPAL CREDIT?

If you already have PayPal Credit, you can take advantage of these offers without having to reapply as long as you have enough available credit limit. Just select one of the available instalment offers and check out with PayPal Credit.

DO I NEED TO HAVE A PAYPAL ACCOUNT?

Yes, however if you don’t have a PayPal account, you can create one as part of the PayPal Credit application.

Signing up for a PayPal account is free and easy; all you need to do is provide your email address, create a password and accept PayPal’s User Agreement.

I DO NOT SEE PAYPAL CREDIT AS A PAYMENT OPTION?

For PayPal Credit to show as a payment option, you will need to ensure that the items in your basket are eligible for PayPal Credit and that you have a minimum spend of £99 within your basket.

We do not offer PayPal Credit on our Pre-Owned collection. Interest Free Credit cannot be used in conjunction with any discount, promotional codes or cashback websites unless specified otherwise.

WHAT DO I DO IF I AM UNSUCCESSFUL IN APPLYING FOR PAYPAL CREDIT?

If you have been declined for PayPal Credit, PayPal will send you more information about why your application was unsuccessful. Alternate methods of payment are available.

WHAT HAPPENS IF I WANT TO RETURN THE ITEM I BOUGHT USING MY PAYPAL CREDIT?

Providing your purchase meets the returns criteria, just return as normal and the money will be refunded to your PayPal Credit account.

WHAT IS THE COST OF PAYPAL CREDIT OUTSIDE OF INSTALMENT OFFERS?

The Representative Example below shows the typical costs of using a PayPal Credit limit, not including instalments or other offers.

Representative Example:

  • Purchase rate 21.9% p.a. (variable)
  • Representative 21.9% APR (variable)
  • Assumed Credit Limit £1,200

For more information, visit PayPal Credit’s FAQ page.

Calculator Page UK

Pay for your purchases in monthly instalments

Calculate your monthly payments

Table 1 - Estimate amounts with Paypal credit
Monthly PaymentNo. of MonthsTotal amountMinimum PurchaseInterest p.a.
£37.496£224.92£99.0012.9%
£19.3112£231.74£99.0012.9%
£13.2618£238.70£199.0012.9%
£10.2424£245.75£199.0012.9%

If approved, your offers will be available when you select PayPal Credit at checkout (offer availability subject to your credit limit).

Representative example

Purchase Rate p.a. (variable)

21.9%

Representative APR (variable)

21.9% APR

Assumed Credit Limit

£1,200


How does PayPal Credit work?

Think of it as credit without a card. If approved, credit will be available when you select PayPal Credit at checkout.

See the Credit Agreement for more details.
For more information, call PayPal Customer Service on 0800 368 7155.

If you're calling from outside the UK, call +44 800 368 7155

Fax: 020 8080 6518

What is a Representative APR?

A Representative APR (Annual Percentage Rate) is shown on products where you borrow money, so that an easier and fairer comparison can be made. It's the typical cost of credit expressed as a percentage, spread over 12 months.

What happens if I have more than one item in my basket?

If you are using an instalment or other promotional offer, this applies to the total purchase amount so you can have as many items in your basket as you like. If the merchant dispatches some of your items before others, we may split your instalment or promotional offer on a per-item basis.

How do I make payments?

You can make a one-off repayment from your bank account, debit card or PayPal balance at any time, either online or by calling PayPal Customer Service. Alternatively you can set up monthly Direct Debit payments from a bank account you've linked to your PayPal account. To set up Direct Debit payments, log in to your PayPal account and follow the instructions on the Make a Payment page.

Are there any fees associated with PayPal Credit?

If you're late with a payment, PayPal will charge you a late payment fee of £12. You'll be charged a return payment fee of £12 if you have insufficient funds to cover the payment. We also charge a fee of £5 if you request a printed copy of a previous statement. For more information on how these fees apply, please refer to the Credit Agreement.


Finance is provided by PayPal Credit (a trading name of PayPal (Europe) S.à.r.l. et Cie, S.C.A., 22-24 Boulevard Royal L-2449, Luxembourg). Terms and conditions apply. Subject to credit approval.


To maintain an offer, you must keep up your minimum payments and stay within your credit limit. The APR interest rate on the promotional offer is fixed for the term of the offer. Minimum purchase required. Figures may change if you modify your order. May exclude delivery charges and VAT.

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