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Spread the Cost with PayPal Credit
Terms & Conditions apply

Enjoy it now, pay over time.

With PayPal Credit, large purchases become much more manageable. Enjoy 0% interest for 4 months on every basket total of £99.00 or more*

PayPal's 0% interest offer is better than just an introductory offer. Simply spend over £99.00 and you get 0% interest on that purchase. 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 add over £99.00 to your basket & select PayPal credit at checkout. Complete the application and get an instant decision. If approved, you'll be able to spread the cost our your purchase with PayPal Credit

How Does PayPal Credit Work?

Representative Example


Purchase Interest Rate

Assumed Credit Limit

21.9% APR (variable) 21.9% p.a (variable) £1,200


The 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.


The minimum payment due still applies to 0% offer balances. Any remaining balance due after the promotional period or any transactions under £99 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.