A 0% interest offer you can use again and again.

Our 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.

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 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.

Spend £150 or more in one go with PayPal Credit.

Spend £150 or more in one go with PayPal Credit.

Spend £150 or more in one go with PayPal Credit.

Then automatically get 0% interest for 4 months on that purchase.*

Spend £150 or more in one go with PayPal Credit.

Even better, you can use this offer again and again on every purchase over £150.

How does PayPal Credit work?

Can I apply for PayPal Credit?

Before you apply, please make sure you:

  • Are a UK resident aged 18 years or older
  • Have a good credit history
  • Are not currently declared bankrupt
  • Have an income greater than £10,000 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 instalment and purchase offers. Eligible purchases from Shop-Equip 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 17.9% (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)

17.9%

Representative APR (variable)

17.9% APR

Assumed credit limit 

£1,200

Frequently Asked Questions

Who can apply for PayPal Credit?

Before you apply, please make sure you:

  • Are a UK resident aged 18 years or older

  • Have a good credit history

  • Are not currently declared bankrupt

  • Have an income greater than £10,000 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 PayPal's help page.

* 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.