Shred now and 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 £150 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.
Their 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 a whole new setup, splashing out on the best protective gear or need to save your cash in the bank for a skate trip, PayPal Credit is the perfect way to spread the cost of those larger purchases and pay later.
It’s quick and easy to apply for PayPal Credit – all you need to do is complete a short application form and we’ll 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.
How the 0% offer works.
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Spend £150 or more in one go with PayPal Credit. Then automatically get 0% interest for 4 months on that purchase.* Even better, you can use this offer again and again on every purchase over £150.
17.9% APR (variable)
Purchase interest rate
17.9% p.a. (variable)
Assumed Credit limit
This example above illustrates the typical cost of using PayPal Credit as a standard funding method. If you take advantage of our offers and promotions, including our 0% for 4 months offer, the interest rate that applies will be lower in many circumstances.
No card. No hassle. Just credit with plenty of benefits.
Q1. 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.
Q2. How long does it take to apply for/receive PayPal Credit?
The application form takes minutes to complete. We’ll 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.
Q3. 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.
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. 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.
See more frequently asked questions
* The minimum payment due still applies to 0% offer balances. Any remaining balance due after the 4-month promotional period or any transactions under £150 will be charged interest at 17.9% 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. For up to date terms and rates check: www.paypal.com/uk/credit