A 0% interest offer you can use again and again.

Paypals 0% interest offer is better than just an introductory offer. Simply spend over £99 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 £99. 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.

FAQ

How do I apply?

Applying for PayPal Credit is easy. Simply complete our short application form here and if approved and once you accept the Credit Agreement, you’ll have a credit limit linked to your PayPal account almost straight away.

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 we use the information you provide in the application form along with internal PayPal data and an external credit check.

I have a business account. How can I sign up for PayPal Credit?

You can contact PayPal Customer Services to change your business account to a personal account to apply for PayPal Credit. Alternatively, you can create a new personal account to apply.

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.

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 our User Agreement.

* The minimum payment due still applies to 0% offer balances. Any remaining balance due after the 4-month promotional period or any transactions under £99 will be charged interest at 19.9% 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.

Here’s how it works:

  At checkout, select Klarna as your payment option and continue

2   Enter simple information and know instantly if your purchase has been accepted

3   Receive a confirmation email outlining your purchase, due date(s), and other useful information

4  Contact Klarna customer service at any time with questions about your purchase, or head to Customer Service FAQs

Pay later in 30 days

Shop now and get up to 30 days to pay for your order. Make sure you’re totally happy with your items before ever making a payment. No interest and no fees.

Pay in 3 instalments

Pay in 3 equal, interest-free payments, free of charge. Payments are automatically taken every 30 days. Perfect for spreading the cost over time without any hassle.

Flexible financing

Spread the cost of bigger purchases into monthly payments to suit you with instant financing. Choose from 6 to 36 month payment terms. (Interest charges may apply).