Buy now, pay later with PayPal Credit
PayPal Credit is like a credit card without the plastic. And with 0% interest for 4 months on all purchases of £99 or more, it’s the perfect way to spread the cost of larger online purchases.*
A 0% interest offer you can use again and again.
So, if you’re looking to buy a new lawn mower or fancy splashing out on a new lawn tractor, 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 checkout with PayPal and choose Paypal Credit. PayPal will then give you a decision instantly.
How PayPal's 0% offer works.
1. Spend £99 or more in one go with PayPal Credit.
2. Then automatically get 0% interest for 4 months on that purchase.*
3. Even better, you can use this offer again and again on every purchase over £99.
Frequently asked questions
Q1. How do I apply?
Applying for PayPal Credit is easy. Just click on the PayPal Credit button after choosing to checkout with PayPal. Simply complete PayPal's short application form and if approved and once you accept the Credit Agreement, you’ll have a credit limit linked to your PayPal account almost straight away. 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.
Q2. How long does it take to apply for/receive PayPal Credit?
The application form takes minutes to complete. PayPal will 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.
Q3. 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.
Q4. 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.
Q5. Do I need to have a PayPal account?
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.
See more frequently asked questions - you will be redirected to PayPal.
* 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.