Frequently asked questions

Discover more

ways to shop

Payment Methods
 
Pay in 3
 
Pay with QR Codes
 
Earn Credit Card Rewards
 

All in the PayPal app

Simply and securely manage all of your transactions from one trustworthy place and get access to incredible rewards. Download the new app on your phone or sign up for free online.

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Always on credit

Our 0% interest offer is better than just an introductory offer. Simply spend £99 or more and automatically get 0% interest for 4 months on that purchase.

A 0% interest offer you can use again and again

  • Get the flexibility of managing your PayPal Credit account any time, anywhere.

  • Use PayPal Credit almost anywhere PayPal is accepted, online or in stores.

  • 0% interest for 4 months every single time you spend £99 or more in one go.

  • If approved, you can start shopping straightaway with PayPal Credit.

Apply Now

Representative Example

Representative Example
Representative Purchase interest rate Assumed credit limit
23.9 %
APR (variable)
23.9 %
p.a. (variable)
£1,200

Representative

23.9 %
APR (variable)

Purchase interest rate

23.9 %
p.a. (variable)

Assumed credit limit

£1,200
Your actual interest rate and credit limit may vary depending on your individual circumstances.
Subject to status. T&Cs apply. UK residents only.

Built to give you more points

With PayPal+ when you’re all in with us, we’re all in with you. ​Shop with PayPal and earn on almost everything2 —even big purchases you make with PayPal Credit. And it's free to sign up. Start earning 1 point per £10 spent.

Get PayPal+ For FreeMore About PayPal+
Rewards are earned as points under the PayPal+ rewards programme. To start earning, you must be enrolled in PayPal+. If you are not yet enrolled, you can sign in the PayPal app. PayPal+ Terms and conditions apply.

PayPal Credit

Flexible ways to pay

Shop with PayPal Credit and get 0% interest over 4 months every time you spend £99 or more in store or online. Or try a Pay in 31 plan that meets your needs. It’s your choice.

Apply NowAlready have PayPal Credit?
PayPal Credit is a regulated credit product 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.
Credit subject to status. Card subject to eligibility. Terms and conditions apply. UK residents only
1
Pay in 3 is an unregulated credit agreement, so you will have fewer protections than under a regulated credit agreement. Consider if the purchase is affordable and how you will make repayments. Missing payments may make other borrowing more difficult or more expensive. Pay in 3 eligibility is subject to status and approval. 18+ UK residents only. See product terms for more details. You can use Pay in 3 on purchases £20 - £3,000.
2
Rewards are earned as points under the PayPal+ rewards programme. To start earning, you must be enrolled in PayPal+. If you are not yet enrolled, you can sign in the PayPal app. PayPal+ Terms and Conditions apply.
All screen images are for illustrative purposes only.