Getting Started

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.
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. Click here to apply.

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 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.
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.

About PayPal Credit

PayPal Credit is like a credit card, without the plastic. It’s a credit limit that’s attached to your PayPal account which you can use for your online purchases.
0% interest for 4 months is available on single transactions of £150 or more. It applies automatically to any purchase made using PayPal Credit in excess of this value, except those to which another Promotional Purchase Offer (such as an instalment offer) applies. You can use this offer as many times as you like as long as you have an available credit limit.

Any remaining balance due after the 4-month promotional period or any transactions under £150 will be charged at 17.9% p.a (variable). If you fail to make minimum repayments on time or in certain other circumstances, PayPal may remove your offer. Please see the Credit Agreement for more details.
With selected merchants, when you check out with PayPal Credit, we’ll show you a selection of instalment offers, enabling you to spread the cost of your purchase across a number of payments.

Subject to application, merchant and status, these instalment offers allow you to choose a set number of monthly payments of differing amounts and at varying interest rates. If you already have PayPal Credit, you can take advantage of these offers without having to reapply as long as you have enough available credit limit.

Find out where we offer instalments
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.

Make a Payment

You can make a single payment from your bank account, debit card or PayPal balance at any time, online by logging into your account and clicking 'Make a Payment'.
You can also make a payment by calling PayPal Customer Service on 0800 368 7155. Through customer services, we can accept payment via any debit card, even those not linked to your PayPal account.
You can set up monthly direct debit payments, provided you have a bank account linked to your PayPal account.
  • Log into your PayPal account and select PayPal Credit
  • Select “Set up a direct debit payment”
  • Choose how much you want to pay each month and from which bank account.
Not added a new bank account to your PayPal account?

To add a new bank account to your PayPal account:
  • Log in to your account
  • Select “wallet”
  • Choose “add a bank account”.
  • Once a bank is added, you can make payments directly to your PayPal Credit account or set up a direct debit.
There are 3 different options available when you choose to set up Direct Debits. You can choose to pay:
  • the minimum amount due
  • the last statement balance
  • any "other amount" in between each month.
If you choose to pay the minimum amount due or the last statement balance, you will need to set up the Direct Debit at least 4 working days before your due date for the Direct Debit to start on that due date. If you set it up any later than this, the Direct Debit may not start until the next month. We will tell you when you’re setting up the Direct Debit exactly when it will take effect from and if you need to make an interim payment.

If you choose to pay any "other amount", it is important to note that the Direct Debit will not start on your next due date. It is likely to start the following month. Please be sure to make a single payment the month you set it up to avoid missing any payment due. We will tell you when you’re setting up the Direct Debit exactly when it will take effect from.
We will automatically send you monthly reminders to notify you of when your payment is due. We’ll ask you to make your first payment around 35 days from when your PayPal Credit account was opened.
We will automatically send you monthly reminders to notify you of when your payment is due.
Payments will reflect on your PayPal Credit account the same day you make them. It may take a few days for your available balance to update and for the payment to show on your bank statement.
If you're finding it difficult to make a payment, Please call our PayPal Credit customer service team on 0800 368 7155 and we will do our best to help you. The organisations below should also be able to answer your questions and suggest suitable courses of action:

Citizens Advice:Alternatively:
You can find this out by logging into your PayPal account on a desktop computer and by clicking on the summary page. You can also view when to make a payment via the app. Click on PayPal Credit and the ‘Make a Payment’ button.

Manage your account

You can keep track of your PayPal Credit activity and history by logging in to your PayPal account and selecting PayPal Credit.

Once logged in you can see:
  • Current and last statement balance
  • Minimum payment due and due date
  • Available credit and credit limit
  • Payments made
  • Transactions
  • Statements and statement history
  • Login to your PayPal account and select PayPal Credit
  • Select "See statements"
  • You can view all statements online as well as download them as PDFs
We will email you monthly to let you know when your latest statement is ready to view.
  • Login to your PayPal account
  • Select the “Settings” icon
  • Update your contact details
We undertake regular reviews of your credit line and may invite you to increase your limit, once you’ve had PayPal Credit for at least 3 months. You always have the option to request a credit limit decrease or that we exclude you from credit limit increases.
Before you close your account, you need to ensure that your balance has been paid off in full.

To close your account, you can call our PayPal Credit customer service team on 0800 368 7155.

Using PayPal Credit

PayPal Credit is available to use at thousands of stores online where PayPal is accepted. Transactions in GBP Only.

We also offer instalment offers at select merchants. Find out where
  • At checkout, choose to pay with PayPal
  • Simply change the payment source to PayPal Credit
  • Confirm and Pay
On those merchants where instalment offers are available, remember to lookout for PayPal Credit at checkout to see the offers available to you.
If you have the PayPal App, we’ll notify you every time you use PayPal to pay, including PayPal Credit transactions. If you don’t have the App, you can download it here
There are some business categories where PayPal Credit cannot be used as a payment option, so it won’t be offered to you as a payment option during checkout.

Excluded categories include merchants selling adult content, stored value cards, and gambling. You can only use PayPal Credit for transactions in GBP.
Currently, your PayPal Credit limit cannot be used to send money to friends and family or to deposit funds into your bank account.
Currently, your PayPal Credit limit cannot be used for a cash advance.
PayPal Credit will not be available as a funding source to pay an invoice or money request sent via PayPal.
Yes. You’re not liable for unauthorised purchases made from your PayPal Credit account. PayPal Buyer Protection also applies to purchases funded with PayPal Credit. If this happens, you should immediately report it to us so we can investigate and resolve it for you. You can report an unauthorised transaction through the Resolution Centre of your PayPal account. This is independent of any other statutory rights you may have.

Here's how to report an unauthorised transaction:
  • Log in to your PayPal account.
  • Under 'More about your account', click Resolve a problem in our Resolution Centre.
  • Click Dispute a transaction
  • Select the item you wish to dispute, Click "Continue", and follow the rest of the instructions provided to submit your dispute.
You can access the PayPal Credit hub through your Business account.
  • Log in
  • Select “PayPal Credit”


Late Payments
If you’re late with a payment, PayPal may charge you a late payment fee of £12.

Returned Payments
You may be charged a return payment fee of £12 if you have insufficient funds to cover the payment.

Statements (Paper Copy)
We also charge a fee of £5 if you request that we send you a printed copy of a previous statement. All statements are available to download or view online within the PayPal Credit section of your PayPal account.

For more information on how these fees apply, please refer to the Outline of Credit, the Standard European Consumer Credit Information document or the Credit Agreement.
No. There is no annual fee for a PayPal Credit account.

Other FAQ's

We’ll email you with more information about why your application for PayPal Credit was unsuccessful. If you apply during check out and get declined for PayPal Credit, you can still use PayPal to check out securely with your debit or credit card.
If you want to re-apply, you will be able to 35 days after your last application.
A Representative APR (Annual Percentage Rate) is shown on products where you borrow money so that an easier and fairer comparison can be made. It’s the typical total cost of a credit product expressed as a percentage, spread over 12 months.

The Representative Annual Percentage Rate for a PayPal Credit account is 17.9% (variable) per annum. This is also the standard rate of interest that will apply to your purchases.

Sometimes we’ll run promotional offers with a lower rate of interest (such as 0% interest per annum for 4 months). Your standard rate of interest will not apply to transactions charged at a lower interest rate during the promotional offer period. See your Credit Agreement for more details.

We may offer to increase your standard interest rate by giving you at least 30 days’ notice. For more information on when we would do this please see your Credit Agreement.
We are required to carry out creditworthiness and affordability checks to determine if PayPal Credit is right for you. As part of this process, we review information held on you by credit reference agencies and other relevant information prior to approving you for PayPal Credit.
You may withdraw from your PayPal Credit account by calling us within 14 days of entering into the Credit Agreement. You may close your PayPal Credit account at any time, but must repay any outstanding balance.
PayPal Credit can currently be used to purchase items in Pounds Sterling (GBP).
The first option is to contact the merchant and see if they can cancel the order. If it’s too late for the merchant to do so, then you can return the goods to receive the refund direct to your PayPal Credit account.
Yes. If an eligible item that you’ve bought online doesn’t arrive or doesn’t match the seller’s description, PayPal Buyer Protection will reimburse you. Buyer Protection covers all your PayPal purchases including those paid with PayPal Credit.

For full information on eligibility, see our User Agreement.
Pay After Delivery is a payment method that we’re offering to selected customers, where you don’t pay for your item until after you’ve received it.

We pay the seller immediately, so they can send you the item straight away, but we wait for 14 days before we debit the money from your bank account. This gives you time to receive and view your item before you pay. If the item doesn't arrive or isn't what you expected, you’ve 180 days from the transaction date to report a problem as usual. Our Buyer Protection can cover you for eligible items.

Contact Us

For more information, you can call PayPal Customer Service on 0800 368 7155.

Hours of service:
Monday to Friday 8am to 8.30pm (GMT)
Saturday and Sunday 8am to 6.30pm (GMT)

If you’re calling from outside the UK, call 0044 800 368 7155
Fax: 020 8080 6518

Alternatively, if you’re an existing customer you can use our secure message centre for all account related enquiries by logging into your PayPal Account.

Representative Example:


17.9% APR (variable)

Purchase interest rate

17.9% p.a. (variable)

Assumed Credit limit


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