PayPal Credit is a digital credit line in your PayPal wallet. If approved, you’ll be able to use it straight away with 0% for 4 months automatically applied to every purchase of £99 or over and additional longer term instalment plans available at select retailers like eBay.
Spread the cost with 0% interest over 4 months*
Representative example:
Your actual interest rate and credit limit may vary depending on your individual circumstances.
Credit subject to status. Terms and conditions apply. UK residents only. Click here for more information.
Checkout 3% Cashback this summer
More Reasons to Shop with PayPal Credit on eBay
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Instant Access
If approved, you can shop straightaway.
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In Safe Hands
PayPal works hard to keep your financial information secure and Paypal Buyer Protection covers your eligible purchases.
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Shop Faster
All you need to speed through checkout with PayPal is an email address and password.
How Do I Apply?
Applying for PayPal Credit is easy:
Select the PayPal Credit button at checkout.
Complete the short PayPal Credit application form.
If approved, complete your purchase.
FAQs
If you are using an instalment or other promotional offer, this offer applies to the total purchase amount including postage so you can have as many items in your basket as you like.
If the seller ships some of your items before others, PayPal Credit may split your instalment or promotional offer on a per-item basis. The purchase amount and monthly instalment amount may change if you or the seller amend your order, such as adding additional delivery charges or applicable taxes.
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.
You can make a one-off repayment from your bank account, debit card or PayPal balance at any time, either online or by calling PayPal Customer Service. Alternatively, you can set up monthly Direct Debit payments from a bank account you've linked to your PayPal account. To set up Direct Debit payments, log in to your PayPal account and follow the instructions on the Make a Payment page.
For more information, call PayPal Credit Customer Service on 0800 368 7155.
8:00 a.m. to 6:30 p.m. Monday to Friday
8:00 a.m. to 6:30 p.m. Saturday and Sunday
*Subject to status. Terms and conditions apply. PayPal Credit is a regulated credit product. It is like a credit card and gives you a credit limit which can be used for promotional offers. During the 4 months’ offer period you must make your minimum monthly payment or your 0% 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.
eBay (UK) Limited is an appointed representative of eBay Commerce UK Ltd (of Hotham House, 1 Heron Sq, Richmond upon Thames, Greater London, TW9 1EJ) which is authorised and regulated by the Financial Conduct Authority (with firm reference number 968972). eBay (UK) Limited acts as a credit broker not a lender. eBay (UK) Limited may receive commission if your application for credit is successful, the commission does not affect the amount you will pay under your agreement. Finance is provided by PayPal Credit (a trading name of PayPal UK Ltd, 5 Fleet Place, London, United Kingdom, EC4M 7RD).