The virtual credit card.
Add a flexible credit line to your PayPal account that gives you the benefits of a credit card, without the plastic.
Quick and easy application
Instant decision and available for immediate use
Automatically get 0% interest for 4 months whenever you spend £99 or more*
Easy management and monthly payment reminders
Don’t have a PayPal account?
No problem - you can create free account when you apply for PayPal Credit.
19.9% APR (variable)
Purchase interest rate
19.9% p.a. (variable)
Assumed Credit limit
Typical cost of using PayPal Credit as a standard funding method. Interest rates for offers and promotions, including our 0% for 4 months offer, will be lower.
Q1. How do I apply?
Q2. How long does it take to apply for and receive PayPal Credit?
Q3. How much will my credit line be?
Q4. I have a business account. How can I sign up for PayPal Credit?
Q5. What if I don’t have a PayPal account?
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.
* 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 the standard variable rate. 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.