0% Finance

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 to spread the cost of your online purchases. There is no annual fee for a PayPal Credit account.

Every time you spend £99.00 or more, either in one transaction or on your checkout basket total, you can enjoy 0% interest for 4 months. This means that you won’t pay any interest on your balance for 4 months. You still have to make the minimum repayment on your balance each month.

You can choose to spread the cost for longer using instalment offers with PayPal Credit. This finance option is available at checkout page and enables you to spread the cost over 6 to 24 months at promotional interest rates lower than PayPal Credit’s standard rate of interest. You have to make the agreed repayment amount each month until your balance is paid off.

The application form takes minutes to complete. Paypal then runs 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.