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PayPay Credit

PayPal Credit is a simple and flexible credit line that sits alongside your PayPal account. It is a paperless, cardless revolving credit limit.

If approved PayPal Credit is accessible from your PayPal account, allowing you to manage your payments, view your balance and check your monthly statements online. There's no lengthy application to fill out, just answer some quick questions, review and accept the terms and get a decision in seconds.

PayPal Credit is available on purchases of at least £99 subject to approval from PayPal.

If you are approved for a credit limit with PayPal Credit the APR for those purchases won't be more than 21.9% and it may be even lower.

How to use PayPal Credit

Where applicable PayPal Credit will be available as a payment option on the basket page. On selection of the option, you will be forwarded to PayPal to fill out your application which should take no more than 10 minutes, and upon acceptance, we will process and ship your order according to our normal swift service.

Representative Example

Representative: 21.9% APR (variable)
Purchase rate: 21.9% p.a. (variable)
Assumed credit limit: £1,200
The example above represents the typical costs of using PayPal Credit as a standard funding method. Interest in your installment offer is fixed for its duration. See terms for more details.

Finance provided by PayPal Credit. Terms and conditions apply. Credit subject to status. UK residents only. SKREAM LIMITED acts as a broker and offers finance from a restricted range of finance providers. PayPal Credit is a trading name of PayPal (Europe) S.à.r.l. et Cie, S.C.A., 22-24 Boulevard Royal L-2449, Luxembourg.


Do you need to have a PayPal account?
Once you have chosen the PayPal Credit payment option, you will be directed to the PayPal website. It is a PayPal Credit requirement that you login to your PayPal account or create an account at that point.
What do I do if I am unsuccessful in applying for PayPal Credit?
Unfortunately, we have no control over the success or failure of an application - this is entirely PayPal's decision. If you have been declined, PayPal will email you with information about why your application was unsuccessful.
Don't worry, although you weren't approved for PayPal Credit, you can still use PayPal to check out securely with your bank account, debit or credit card.
I do not see PayPal Credit as a payment option?
Check that you are eligible by ensuring you have £99 worth of goods in your basket.
If you have checked that the minimum spend of £99 has been reached and you still have no option for PayPal Credit, please give us a call and we will help you out.
For more information you can visit PayPal's help page.