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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How does PayPal Credit work?

PayPal Credit is just like a credit card, but without the plastic.

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 £150 or more.*

Pay in instalments.

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

Transactions less than £150.

You can spread the cost of your purchases at 17.9% 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 £150 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 £150 or more.

Representative example

The example above illustrates the typical cost of using PayPal Credit as a standard funding method. If you take advantage of our offers and promotions, including our 0% for 4 months offer, the interest rate that applies will be lower in many circumstances.

FAQs

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.

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