PayPal Credit Now Available
0% interest offer
PayPal's 0% interest offer is better than just an introductory offer. Simply spend over £150 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 £150. So, if you’re planning on renovating your bathroom or extending your kitchen, 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 complete a short application form and PayPal will give you a decision instantly. If approved and you accept, you’ll have a credit limit attached to your PayPal account to start using straightaway at thousands of online stores.
Representative example
| Purchase rate p.a. (variable) | Representative APR (variable) | Assumed credit limit |
| 17.9% | 17.9% APR | £1,200 |
*PayPal may change terms and rates. For up-to-date details, check PayPal Credit here
How it works...
Add any items that you wish to purchase to your shopping cart
At the checkout screen, enter your details and select PayPal as the payment method
When on the PayPal Page, opt for the PayPal Credit Option (instant decision)
What is PayPal Credit?
PayPal Credit is like a credit card, without the plastic. It’s a credit limit that’s attached to your PayPal account which you can use for your online purchases.
Think of it as a secure, instant and reusable credit line your customers can use at checkout when they pay with their PayPal account and choose PayPal Credit, as long as you have a qualifying PayPal payment product. PayPal Credit is subject to credit approval and offered by Comenity Capital Bank.
FAQ
How do I apply?
When you get to the checkout screen, select PayPal Credit as your method of payment. After pressing "Complete Order", you will be redirected to PayPal to complete a simple application form.
What if I don’t have a PayPal account?
The first stage of the PayPal Credit application process will ask you to sign into your PayPal account or offer you the opportunity to sign up for one. Once you’ve signed up for a PayPal account, you can begin the application for PayPal Credit. Click here to apply.
How long does it take to apply for/receive PayPal Credit?
The application form takes minutes to complete. PayPal will then run a credit check and if approved, you’ll have a credit limit linked to your PayPal account as soon as you accept your Credit Agreement.
How much will my credit line be?
To determine the size of your credit line PayPal use the information you provide in the application form along with internal PayPal data and an external credit check.
How do I make a payment?
You can make a single payment from your bank account, debit card or PayPal balance at any time, online by logging into your account and clicking 'Make a Payment'. You can also make a payment by calling PayPal Customer Service on 0800 368 7155. Through customer services, we can accept payment via any debit card, even those not linked to your PayPal account.
How long does it take for payments to reflect on my account?
Payments will reflect on your PayPal Credit account the same day you make them. It may take a few days for your available balance to update and for the payment to show on your bank statement.