PayPal Credit

Enjoy 0% over 24 monthly instalments

View representative example

0% for 4 months offer

Minimum Spend

Monthly Instalment

Instalment Rate

Cost of Purchase

Total inc. Interest

4
Months

£99

N/A*

0.00%

£99.00

£99.00

Minimum Spend

4 Months

£99

Monthly Instalment

4 Months

N/A*

Instalment Rate

4 Months

0.00%

Cost of Purchase

4 Months

£99

Total inc. Interest

4 Months

£99.00

*While no interest is charged, any balance subject to a 0% for 4 months offer will be included in the calculation of your minimum repayment amount. Any remaining balance due after the 4-month promotional period will be charged at your standard variable rate. If you fail to make minimum repayments on time or in certain other circumstances, PayPal may remove your offer. Please see the Credit Agreement for more details.

PayPal Credit Instalment options

Minimum Spend

Monthly Instalment

Instalment Rate

Cost of Purchase

Total inc. Interest

6
Months

£99

£16.50

0.00%

£99.00

£99.00

12
Months

£199

£16.58

0.00%

£199.00

£199.00

24
Months

£499

£20.79

0.00%

£499.00

£499.00

36
Months

£999

£27.75

0.00%

£999.00

£999.00

Minimum Spend

6 Months

£99

12 Months

£199

24 Months

£499

36 Months

£999

Monthly Instalment

6 Months

£16.50

12 Months

£16.58

24 Months

£20.79

36 Months

£27.75

Instalment Rate

6 Months

0.00%

12 Months

0.00%

24 Months

0.00%

36 Months

0.00%

Cost of Purchase

6 Months

£99.00

12 Months

£199.00

24 Months

£499.00

36 Months

£999.00

Total inc. Interest

6 Months

£99.00

12 Months

£199.00

24 Months

£499.00

36 Months

£999.00

During the instalment offer period, you must make your minimum monthly payment (which includes your monthly instalment repayment amounts) or your offer may be removed. Any remaining balance due after the offer period or any transactions under £99 will be charged interest at your standard variable rate.

Representative Example

Purchase rate: 23.9% p.a. (variable)

Representative: 23.9% APR (variable)

Assumed Credit Limit: £1,200

Why use PayPal Credit Instalments?

Easy regular payments

Pay the same amount each month to help you plan better.

0.00% Interest p.a.

PayPal Credit comes with a fixed rate for your term.

Apply at Checkout

Select PayPal Credit at checkout and follow a few simple steps.

What is PayPal Credit?

PayPal Credit is like a credit card, without the plastic. It’s a credit limit that sits alongside your PayPal account which you can use for your online purchases.

How do I apply?

Applying for PayPal Credit is easy. Just click on the PayPal Credit button on our checkout page. A selection of instalment offers will be displayed, enabling you to spread the cost of your purchase across a number of payments. 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.

You can use the credit limit granted to pay for today's purchase and future purchases at thousands of online stores where PayPal is accepted, up to your credit limit.

Frequently asked questions

0% interest for 4 months is available on single transactions of £99.00 or more. This means when you spend more than £99.00 in one shopping basket, you’ll benefit from the offer and won’t be charged any interest on that transaction for 4 months after purchase. This applies automatically to any purchase made using PayPal Credit in excess of this value, except those to which another promotional offer (such as an instalment offer) applies. You can use this offer as many times as you like as long as you have an available credit limit.

While no interest is charged, any balance subject to a 0% for 4 months offer will be included in the calculation of your minimum repayment amount.

Any remaining balance due after the 4-month promotional period will be charged at 23.9% p.a. (variable). If you fail to make minimum repayments on time or in certain other circumstances, PayPal may remove your offer. Please see the Credit Agreement for more details.
If your basket is eligible, a selection of instalment offers will be displayed enabling you to spread the cost of your purchase across a number of monthly payments. BT Shop instalment purchases qualify for 0.00% p.a. for the length of the selected instalment plan.

With instalment offers from PayPal Credit you get:

> Regular monthly payments – you pay the same amount each month to help you plan better
> A credit limit linked with your PayPal account that makes it easier to buy everything you need
If you have PayPal Credit, you still may not see instalments as an option in your PP wallet if the value of your basket is below the threshold amount required for instalments to be available. For more details please see the PayPal Credit Instalment options table above.
Applicants for PayPal Credit must meet the following criteria before attempting an application.
Before you apply, please make sure you:
> Are a UK resident aged 18 years or older
> Have a good credit history
> Have not recently been declared bankrupt
> Be employed and have an income greater than £7,500 per year.
If you already have PayPal Credit, you can take advantage of these offers without having to reapply as long as you have enough available credit limit. Just select one of available instalment offers and check out with PayPal Credit.
Yes, however if you don’t have a PayPal account, you can create one as part of the PayPal Credit application. Signing up for a PayPal account is free and easy; all you need to do is provide your email address, create a password and accept PayPal’s User Agreement.
If you have been declined for PayPal Credit, PayPal will send you more information about why your application was unsuccessful. You can still use PayPal to complete your purchase.
The Representative Example below shows the typical costs of using a PayPal Credit limit, not including instalments or other offers: Representative Example: Purchase rate 23.9% p.a. (variable) Representative 23.9% APR (variable) Assumed Credit Limit 
£1,200
Just return your purchase as normal and the money will be refunded to your PayPal Credit account.
If your complaint relates to PayPal credit please click the link below:
For more Frequently Asked Questions, please visit PayPal Credit Help area.

Buy now, Pay in 3

Enjoy the power to split your purchase into 3 interest-free payments with PayPal Credit. Terms apply.

EE Store is a trading style of British Telecommunications Public Limited Company, which is authorised and regulated by the Financial Conduct Authority.

PayPal Credit and PayPal Pay in 3 are trading names of PayPal UK Ltd, Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH. PayPal Credit: Terms and conditions apply. Credit subject to status, UK residents only, British Telecommunications Public Limited Company acts as a broker and offers finance from PayPal Credit.