PayPal Credit

Buy now and pay later with PayPal Credit.
Get your items now and pay over time with PayPal Credit, which allows you to stretch the payment over up to 24 months.
Status is a factor. The following terms and conditions apply.

Choose a monthly instalment plan with PayPal Credit.

Regular monthly payments

Pay the same amount each month to help you plan better. The interest of 14.9% applies for the length of the instalment plan.

Apply online at checkout

It's easy and instant*. Select PayPal Credit at checkout and apply with just a few simple steps. Minimum order: £99.

No waiting around

PayPal will give you a fast decision, usually within 30 seconds.

Can I apply for PayPal Credit?

Before you apply, please make sure you:

Is a UK resident aged 18 years or older

Have a good credit history

Are not currently declared bankrupt

Have an income greater than £7,500 per year (not including student loans)

How PayPal Credit would work for future purchases

PayPal Credit acts like an online credit card and gives you a credit limit that can be used for this and future purchases. PayPal Credit gives customers access to a range of instalments and purchase offers. Eligible purchases from CCL Computers Limited can use instalment offers, giving you access to a lower rate for the instalment period. Any outstanding balance after this period is subject to PayPal Credit's standard rate of interest, currently 21.9% (variable).

If you already have PayPal Credit, there is no need to re-apply, just choose PayPal Credit at checkout.

The Representative Example below outlines what you would pay:

Purchase rate p.a. (variable): 21.9%

Representative APR (variable): 21.9% APR

Assumed credit limit: £1,200

Frequently Asked Questions

Who can apply for PayPal Credit?

Before you apply, please make sure you:

Is a UK resident aged 18 years or older

Have a good credit history

Are not currently declared bankrupt

Have an income greater than £7,500 per year

Do you need to have a PayPal account?

Once you have chosen the PayPal Credit payment option, you will be directed to the PayPal website. You can then log in with your PayPal account, or quickly sign up for PayPal in a few easy steps.

What do I do if I am unsuccessful in applying for PayPal Credit?

If your application has been declined, PayPal will email you with information about why your application was unsuccessful.

You can still use PayPal to check out securely with your debit or credit card.

I do not see PayPal Credit as a payment option.

Please check that you are eligible by ensuring you have at least £99 worth of goods in your basket.

Can I make a phone order and apply for PayPal Credit?

Sorry, PayPal Credit is only available online on our website.

For all the information you need about how PayPal Credit works, check out the PayPal Credit FAQ page.