0% finance on everything over £99

PayPal’s 0% interest offer is better than just an introductory offer. Simply spend over £99 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. So, if you’re planning on renovating your home or landscaping your garden, 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 PayPal will 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.

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How it works…

  1. Add any items that you wish to purchase to your shopping cart
  2. At the checkout screen, enter your details and select PayPal Credit as the payment method
  3. Complete the simple online application form for an instant decision

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What is 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.

Think of it as a secure, instant and reusable credit line your customers can use at checkout when they pay with their PayPal account and choose PayPal Credit, as long as you have a qualifying PayPal payment product. PayPal Credit is subject to credit approval.

Two great ways to spread the cost of purchases

Trolley_pink Calendar_pink
Start straight away, with 4 months to pay. 0% interest on all purchases, again and again. Pay in monthly instalments at 16.9% APR (variable) on qualifying spends.
0% for the first 4 months when you spend £99 or more in one go. Then your standard rate until the balance is paid off.* 12, 24, 36 and 48 month terms available.**

Does PayPal Credit offer other benefits?

PayPal Credit gives you credit that you can use again and again. Other benefits include:

  • Flexibility and control — choose to settle up immediately or spread the costs monthly
  • Promotional offers so you could receive reduced interest, or interest-free rates, on certain purchases
  • PayPal Credit is easily accessible from your PayPal account when you make an online purchase
  • An easy way to manage purchases: view purchases on your monthly statement or online.

Representative example

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

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


How do I apply?

When you get to the checkout screen, select PayPal Credit as your method of payment. After pressing “Complete Order”, you will be redirected to PayPal to complete a simple application form.

What if I don’t have a PayPal account?

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.

How long does it take to apply for/receive PayPal Credit?

The application form takes minutes to complete. PayPal will 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.

How much will my credit line be?

To determine the size of your credit line PayPal use the information you provide in the application form along with internal PayPal data and an external credit check.

How do I 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.

How long does it take for payments to reflect on my account?

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.

Key and important facts before application

Before you apply, please make sure you:

  • Are a UK resident aged 18 years or older
  • Have a good credit history
  • Have not recently been declared bankrupt
  • Be employed and have an income greater than £7,500 per year

Where can I find out information about PayPal Credit?

You can find much more information about PayPal Credit here.

Or for more information, call PayPal Customer Service on 0800 368 7155.

Are there any fees associated with PayPal Credit?

If you’re late with a payment, PayPal will charge you a late payment fee of £12. You’ll be charged a return payment fee of £12 if you have insufficient funds to cover the payment. PayPal also charges a fee of £5 if you request a printed copy of a previous statement. For more information on how these fees apply, please refer to the Credit Agreement.

What is a Representative APR?

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 cost of credit expressed as a percentage, spread over 12 months.

PayPal Credit Covid-19 relief

You can request repayment assistance if your finances are impacted by Covid-19. Click to find out more.

*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 will be charged interest at 23.9% p.a. (standard variable rate). 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 may change terms and rates. For up-to-date details, check PayPal Credit here.

**Available on eligible purchases only. Time limit and other terms apply.

Finance provided by PayPal Credit. Terms and conditions apply. Credit subject to status, UK residents only, CMOStores.com Ltd acts as a broker and offers finance from a restricted range of finance providers, PayPal Credit and PayPal Pay in 3 are trading names of PayPal UK Ltd, Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH. CMOStores.com Limited are authorised and regulated by the Financial Conduct Authority (FCA). Our FSA Registration number (FRN) is 750007. CMOStores.com Limited is not responsible for the content of external sites.