Get more time to pay with PayPal Credit.
With PayPal Credit, you have an instant credit limit to buy the things you love. It gives you an additional payment option in your PayPal wallet to choose whenever you check out with PayPal. It’s like a credit card, but without the plastic.
Spread the cost of day to day purchases.
Purchases under £150 will be charged at the standard variable rate. You choose how you want to pay your balance, but the minimum monthly payment applies. Like a credit card, if you pay the balance off in full on or before the payment due date, you won’t pay any interest.
Easy to use.
It’s quick and easy to apply for PayPal Credit – all you need to do is apply at checkout and complete a short application form. We’ll give you a decision instantly and, if approved and you accept, you’ll have a credit limit attached to your PayPal account to use instantly for eBay and thousands of other online stores.
If approved, you can start shopping straightaway with PayPal Credit.
Offer never expires
0% interest for 4 months every single time you spend £150 or more in one go.*
On your side
We know how busy you can be so we’ll send you payment reminders.
In safe hands
Your details are never shared and PayPal Buyer Protection covers your eligible purchases.
Manage your PayPal account anywhere – on your mobile, tablet or PC.
Speed through checkout quicker and easier with just an email address and password.
0% interest for 4 months when you spend £150 or more.*
When you spend £150 or more in one go with PayPal Credit, you’ll get 0% interest for 4 months on that purchase. The great thing is, you can use this offer again and again – every time you spend £150 or more.
You can choose how to pay the balance – but you’ll still need to make the minimum payment each month. You’ll pay no interest if you pay the purchase off in full within 4 months.
Spend £150 or more in one go with PayPal Credit.
Automatically get 0% interest for 4 months on that purchase.*
You get the same offer every time you spend £150 or more.
Purchase Interest Rate:
Assumed Credit Limit:
*The minimum payment due still applies to 0% offer balances. Any remaining balance due after the 4-month promotional period or any transactions under £150 will be charged interest at the standard variable rate, currently 17.9% p.a. In order to maintain the 0% offer, you need to keep up monthly repayments and stay within your credit limit. Credit subject to status. Terms and conditions apply. UK residents only. PayPal Credit is trading name of PayPal (Europe) S.à r.l. et Cie, S.C.A. Société en Commandite par Actions Registered Office: 22-24 Boulevard Royal L-2449, Luxembourg RCS Luxembourg B 118 349.
PayPal Credit frequently asked questions.
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 our User Agreement.
Any remaining balance due after the 4-month promotional period or any transactions under £150 will be charged at the standard variable rate, currently 17.9%. If you fail to make minimum repayments on time or in certain other circumstances, PayPal may remove your offer. Please see the Credit Agreement for more details.
- At checkout, choose to pay with PayPal
- Simply change the payment source to PayPal Credit
- Confirm and Pay
However, if you’re late with a payment, PayPal may charge you a late payment fee of £12. You may 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 that we send you a printed copy of a previous statement. All statements are available to download or view online within the PayPal Credit section of your PayPal account.
For more information on how these fees apply, please refer to the Outline of Credit, the Standard European Consumer Credit Information document or the Credit Agreement.
The Representative Annual Percentage Rate for a PayPal Credit account is 17.9% APR (variable) per annum.
The standard variable rate is the interest rate that applies to purchases not subject to a promotional offer and is currently 17.9% p.a. Sometimes we’ll run promotional offers with a lower rate of interest (such as 0% interest per annum for 4 months). Your standard variable rate will not apply to transactions charged at a lower interest rate during the promotional offer period. See your Credit Agreement for more details.