PayPal Credit.
The online credit account.

Apply for a credit line within your PayPal account and enjoy a simple way to spread the cost of your online purchases.

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Three ways to use PayPal Credit.

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

Enjoy 0% interest for 4 months on every basket total of £99 or more.*

Pay in instalments.

Monthly instalment plans available at various online stores from 6 to 24 months.

Transactions less than £99.

You can spread the cost of your purchases at 19.9% APR (variable).

Credit with the benefits of PayPal.

Applying is simple.
Complete our short application form in a matter of minutes. Easy.

Easy Management.
You can manage your PayPal account anywhere - on your desktop, mobile or tablet.

Instant Access.
You'll get an instant yes or no - if we give you the thumbs up, you can start shopping straight away.

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

How our 0% offer works.

Spend £99 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 £99 or more.

Monthly instalments available at selected online stores.

Want to spread the cost over a longer period? No problem. Our instalment plans let you do just that - over 6 to 24 months and at an interest rate lower than PayPal Credit's standard rate of interest. Available at selected online stores.

Representative example


19.9% APR

Purchase interest rate

19.9% p.a

Assumed Credit limit



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 £99 will be charged interest at 19.9% 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.

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