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
If approved, you can start shopping straightaway with PayPal Credit.
0% interest for 4 months every single time you spend £99.00 or more in one go.*
Your details are never shared and PayPal Buyer Protection covers your eligible purchases.
your PayPal account anywhere – on your desktop, mobile or tablet.
How does PayPal Credit work?
Watch this short video explaining how it works
21.9% APR (variable)
21.9% p.a. (variable)
* 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.