Finance Information

PayPal Credit is a credit limit that's attached to your PayPal account which you can use for your online purchases.


If your basket is eligible, a selection of instalment offers will be displayed enabling you to spread the cost of your purchase across a number of monthly payments.

With instalment offers from PayPal Credit you get:

  • Regular monthly payments – you pay the same amount each month to help you plan better
  • A credit limit linked with your PayPal account to buy everything you need

The following instalments are offered with a minimum spend of £375:

  • 6 months: 0% APR
  • 12 months: 0% APR
  • 24 months: 9.9% APR
  • 36 months: 16.9% APR
To apply for PayPal Credit simply complete the short application form and, if approved and once you accept the Credit Agreement, you’ll have a credit limit linked to your PayPal account almost straight away.

For PayPal Instalments, just click on Pay By Finance on our checkout page. A selection of instalment offers will be displayed, enabling you to calculate spreading the cost of your purchase across several payments. Click on the PayPal Credit button within the calculator.

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.
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. Just select one of the available instalment offers and check out with PayPal Credit.
Yes, however if you don’t have a PayPal account, you can create one as part of the PayPal Credit application.

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 PayPal’s User Agreement.
For PayPal Credit to show as a payment option, you will need to ensure that the items in your basket are eligible for PayPal Credit and that you have a minimum spend of £375 within your basket.

We do not offer PayPal Credit on our Pre-Owned collection. Interest Free Credit cannot be used in conjunction with any discount, promotional codes or cashback websites unless specified otherwise.
If you have been declined for PayPal Credit, PayPal will send you more information about why your application was unsuccessful. Alternate methods of payment are available.
Providing your purchase meets the returns criteria, just return as normal and the money will be refunded to your PayPal Credit account.
The Representative Example below shows the typical costs of using a PayPal Credit limit, not including instalments or other offers.

Representative Example:
  • Purchase rate 23.9% p.a. (variable)
  • Representative 23.9% APR (variable)
  • Assumed Credit Limit £1,200

For more information on PayPal Credit, visit PayPal Credit’s FAQ page.

Finance provided be PayPal Credit, Terms and Conditions apply. Credit subject to status. UK residents only. PayPal Credit is a trading name of PayPal UK Ltd, Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH.