Buy now, pay later with PayPal Credit
PayPal Credit is like a credit card without the plastic. And with 0% interest for 4 months on all purchases of £99.00 or more, it’s the perfect way to spread the cost of larger online purchases.*
See our FAQs Already have PayPal Credit?
A 0% interest offer you can use again and again.
Our 0% interest offer is better than just an introductory offer. Simply spend over £99.00 and you get 0% interest for 4 months on that purchase. The great thing is you’ll automatically get 0% for 4 months every time you spend over £99.00. So, if you’re planning a weekend away or fancy splashing out on a new wardrobe, PayPal Credit is the perfect way to spread the cost of those larger purchases.
It’s quick and easy to apply for PayPal Credit – all you need to do is complete a short application form and we’ll give you a decision instantly. If approved and you accept, you’ll have a credit limit attached to your PayPal account to start using straightaway at thousands of online stores.
How our 0% offer works.
Spend £99.00 or more in one go with PayPal Credit.
Then automatically get 0% interest for 4 months on that purchase.*
Even better, you can use this offer again and again on every purchase over £99.00.
21.9% APR (variable)
Purchase interest rate
21.9% p.a. (variable)
Assumed Credit limit
This 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.
How does PayPal Credit work?
No card. No hassle. Just credit with plenty of benefits.
If approved, you can start shopping straightaway with PayPal Credit.
Offer never expires
0% interest for 4 months every single time you spend £99.00 or more in one go.*
Convenient way to shop
PayPal Credit is accepted at thousands of online stores.
On your side
We know how busy you can be so we’ll send you payment reminders.
Pay in instalments
Monthly instalment offers at selected merchants so you can spread the cost over longer periods.
In safe hands
Your details are never shared and PayPal Buyer Protection covers your eligible purchases.
Manage your PayPal account anywhere – on your desktop, mobile or tablet.
Speed through checkout quicker and easier with just an email address and password.
Applying is simple.
Complete the short online application form.
If approved and you accept, you’ll have a credit limit attached to your PayPal account almost immediately.
Start spending straightaway at thousands of online stores with PayPal Credit.
Q1. How do I apply?
Q2. How long does it take to apply for/receive PayPal Credit?
Q3. How much will my credit line be?
Q4. I have a business account. How can I sign up for PayPal Credit?
Q5. What if I don’t have a PayPal account?
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 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.