A 0% interest offer you can use again and again.

Our 0% interest offer is better than just an introductory offer. Simply spend over £150 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 £150. 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.

Representative Example:

Representative

17.9% APR (variable)

Purchase interest rate

17.9% p.a. (variable)

Assumed Credit limit

£1,200

How does PayPal Credit work?

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No card. No hassle. Just credit with plenty of benefits.

Instant access

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.*

Convenient way to shop

PayPal Credit is accepted at thousands of online stores.

On your side

We know how busy you can be so we’ll send you payment reminders.

Pay in instalments

Monthly instalment offers at selected merchants so you can spread the cost over longer periods.

In safe hands

Your details are never shared and PayPal Buyer Protection covers your eligible purchases.

Easy management

Manage your PayPal account anywhere – on your desktop, mobile or tablet.

Shop faster

Speed through checkout quicker and easier with just an email address and password.

Applying is simple.

1

Complete the short online application form.

2

If approved and you accept, you’ll have a credit limit attached to your PayPal account almost immediately.

3

Start spending straightaway at thousands of online stores with PayPal Credit.

FAQs

Q1. How do I apply?

Applying for PayPal Credit is easy. Simply complete our short application form here and if approved and once you accept the Credit Agreement, you’ll have a credit limit linked to your PayPal account almost straight away.

Q2. How long does it take to apply for/receive PayPal Credit?

The application form takes minutes to complete. We'll 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.

Q3. How much will my credit line be?

To determine the size of your credit line we use the information you provide in the application form along with internal PayPal data and an external credit check.

Q4. I have a business account. How can I sign up for PayPal Credit?

You can contact PayPal Customer Services to change your business account to a personal account to apply for PayPal Credit. Alternatively, you can create a new personal account to apply.

Q5. What if I don’t have a PayPal account?

The first stage of the PayPal Credit application process will ask you to sign into your PayPal account or offer you the opportunity to sign up for one. Once you’ve signed up for a PayPal account, you can begin the application for PayPal Credit.

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.
See more frequently asked questions

* 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 17.9% p.a. (variable). 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.