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PayPal Credit

0% for 4 months over £99
or up to 24 monthly instalments

Minimum spend and instalment interest rates apply.

Terms & conditions apply. Subject to status

Enjoy it now, pay over time.

With PayPal Credit, large purchases become much more manageable. If you spend over £99, you can choose to spread the cost.


Assumed Credit Limit


Purchase Rate

21.9% p.a



21.9% APR



PayPal Credit is a paperless cardless revolving credit limit that’s built in to the PayPal Wallet. With PayPal Credit, there’s no card to keep track of and it can be used again and again in most places that PayPal is accepted.

No, PayPal Credit is only available to customers over 18 living in the United Kingdom (excluding Channel Islands and the Isle of Man). We also have to assess a customer’s creditworthiness, so it is not appropriate for customers with a poor credit history.

Customers may be offered the opportunity to apply for credit on a website, if purchasing an eligible product and choosing to apply for an instalment offer using PayPal Credit. Otherwise they can apply directly via PayPal’s website.

If your customer asks about his/her application being declined, please don’t try to answer what could be the reasons for a decline. PayPal will send the customer an email with the explanation of the decline and contact details, should they have additional questions on the decision. If the decision was due to a customer’s credit history, we will note the credit reference agencies consulted when making the decision.

In case of suspected fraud please refer the customer to the PayPal Credit Customer Service team on 0800 368 7155.

If a customer wants to make a complaint about PayPal Credit, please refer them to the PayPal Credit Customer Service team on 0800 368 7155.

Please click here for any queries

Example of a £400 purchase

Term Representative APR Payments per Month Total payable
24 months (min spend £199) 14.9% APR £19.20 £460.79
18 months (min spend £199) 14.9% APR £24.76 £445.69
12 months (min spend £99) 14.9% APR £35.91 £430.91
6 months (min spend £99) 14.9% APR £69.41 £416.46

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. SKREAM LIMITED acts as a broker and offers credit from PayPal Credit.

Pay in 3

Pay in 3

Make one payment today, then pay the rest in two interest-free monthly payments. Available on purchases from £30 to £2,000. Apply easily and get an instant decision.

Check out securely with PayPal and choose Pay in 3

  1. Choose PayPal at checkout to pay later with Pay in 3
  2. Complete your purchase with the first payment today.
  3. Remaining payments are taken automatically.

Subject to status. Terms and Conditions apply. UK residents only. PayPal is a responsible lender. Pay in 3 performance may influence your credit score. PayPal Pay in 3 is a trading name of PayPal (Europe) S.à.r.l. et Cie, S.C.A., 22-24 Boulevard Royal, L- 2449, Luxembourg. Click here to learn more about Pay in 3.