PayPal Credit

Buy now. Pay over time.

Shop with PayPal Credit's digital, reusable credit line and get 0% interest over 4 months every time you spend £99 or more.1 Seriously. PayPal Credit is like a credit card without the plastic.

A mobile phone showing PayPal cards and linked bank account options, including PayPal Credit account.

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

Our 0% interest offer is better than just an introductory offer. Simply spend £99 or more and automatically get 0% interest for 4 months on that purchase - and every purchase £99+. PayPal Credit is the perfect way to manage the cost of those bigger buys.

It’s in the app

Get the flexibility of managing your PayPal Credit account any time, anywhere.

Millions of online stores

Use PayPal Credit almost anywhere PayPal is accepted.

Offer never expires

0% interest for 4 months every single time you spend £99.00 or more in one go.

Instant access

If approved, you can start shopping straightaway with PayPal Credit.

Representative Example

Representative Example
Representative Purchase interest rate Assumed credit limit
23.9 %
APR (variable)
23.9 %
p.a. (variable)
£1,200

Representative

23.9 %
APR (variable)

Purchase interest rate

23.9 %
p.a. (variable)

Assumed credit limit

£1,200
Your actual interest rate and credit limit may vary depending on your individual circumstances.
Subject to status. T&Cs apply. UK residents only.

Frequently asked questions

Join the millions around the world who love PayPal

Easily and securely spend, send, and manage your transactions—all in one place. Download the app on your phone or sign up for free online.

Download the app on your phone or sign up for free online.

A QR code you can scan with the camera on your phone to download the PayPal app