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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.*

A 0% interest offer you can use again and again

PayPal Credit is the perfect way to spread the cost of those larger purchases.

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.

It’s quick and easy to apply for PayPal Credit – all you need to do is complete a short application form and you'll get a decision instantly. If approved and you accept, you’ll have a credit limit attached to your PayPal account to start using straightaway.

No card. No hassle.

Just credit with plenty of benefits

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Instant access

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

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Offer never expires

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

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In safe hands

Your details are never shared and PayPal Buyer Protection covers your eligible purchases.

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Easy management

your PayPal account anywhere – on your desktop, mobile or tablet.

How does PayPal Credit work?

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Spend £99.00 or more in one go with PayPal Credit.

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Then automatically get 0% interest for 4 months on that purchase.*

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Even better, you can use this offer again and again on every purchase over £99.00.

Representative Example

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21.9% APR (variable)

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Purchase interest rate

21.9% p.a. (variable)

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Assumed Credit limit


* 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.

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