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.

Pay in instalments.

Transactions less than £99.00.

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.




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


Purchase interest rate

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 £99.00 will be charged interest at 21.9% 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. Deemed authorised and regulated by the Financial Conduct Authority. The nature and extent of consumer protections may differ from those for firms based in the UK. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.

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