Buy now, pay later with PayPal

PayPal Pay Later gives you two flexible ways to pay. Pay in 3 splits your purchase into 3 equal, interest-free monthly instalments, with the first due at checkout and the second and third payments due one month and two months after purchase. Pay in 30 lets you buy now and pay the full amount 30 days later, interest-free.

Both are credit agreements. Missing payments can make future borrowing more difficult or expensive. Make sure repayments are affordable before you apply.

Pay Later is available at most UK merchants where PayPal is accepted. We may not offer Pay Later in all situations, such as when our checks suggest an increased risk of fraud or that you may not be eligible. Eligibility checks are run with an external credit reference agency and won't affect your credit score. You'll get a decision instantly at checkout.

Applying won't affect your credit score. We may run a soft credit check with an external credit reference agency if we need more information. This is only visible to you. However, we do share repayment history with TransUnion, which may affect your ability to obtain credit from other lenders. More information is available in our Pay in 3 Terms and Conditions and Pay in 30 Days Terms and Conditions.

For Pay in 3, we'll ask for your title, phone number, address, date of birth, and payment details. For Pay in 30, we use information we already hold about you, along with data from an external credit reference agency. You'll need a valid debit card or bank account linked to your PayPal account.

Visit our help centre articles: What is Pay in 30 Days?, What is Pay In 3?. For full product terms, check our Pay in 3 Terms and Conditions and Pay in 30 Days Terms and Conditions.