What is PayPal Credit?

PayPal Credit is like a credit card, without the plastic. It's a credit limit that sits alongside your PayPal account which you can use for your online purchases.

Before you apply, please make sure you:

• Are a UK resident aged 18 years or older
• Have a good credit history
• Have not recently been declared bankrupt
• Are employed and have an income greater than £7,500 per year

Credit is subject to status, terms and conditions apply. Winstanleys Limited acts as a broker and offers finance from a restricted range of finance providers. PayPal Credit is a trading name of PayPal UK Limited, Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, TW9 1EH, United Kingdom

What credit offers are available?

A 0% interest offer you can use again and again: PayPal Credit’s 0% interest offer is better than just an introductory offer. Every time you spend £99 or more, you will automatically get 0% interest for 4 months on that purchase. *

Plus, you can spread the cost of purchases under £99 at the standard variable rate of interest, currently 23.9% p.a.

* The minimum payment due still applies to 0% offer balances. Any remaining balance due after the 4-month promotional period or any transactions under £99 will be charged interest at 23.9% p.a. (variable). In order to maintain the 0% offer, you need to keep up monthly repayments and stay within your credit limit.

How do I apply?

Applying for PayPal Credit is easy. Just click on the PayPal Credit button on our checkout page.

The application form takes minutes to complete. PayPal will 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.

You can use the credit limit granted to pay for today's purchase and future purchases at thousands of online stores where PayPal is accepted, up to your credit limit.

Do I need to reapply if I already have PayPal Credit?

If you already have PayPal Credit you do not need to reapply, just select PayPal Credit as your payment option at checkout.

Do I need to have a PayPal account?

Yes, however if you don't have a PayPal account, you can create one as part of the PayPal Credit application.

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 PayPal's User Agreement.

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

If you have been declined for PayPal Credit, PayPal will send you more information about why your application was unsuccessful. You can still use PayPal to complete your purchase.

What happens if I want to return the item I bought using my PayPal Credit?

Just return your purchase as normal and the money will be refunded to your PayPal Credit account.

What is the cost of PayPal Credit outside of instalment offers?

The Representative Example below shows the typical costs of using a PayPal Credit limit, not including instalments or other offers.

Representative Example

Purchase rate 23.9% p.a. (variable)

Representative 23.9% APR (variable)

Assumed Credit Limit £1,200

I have another question...

Check the FAQ section on PayPal's own website - and if that doesn't help, contact us.