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Interest Free Credit Available

Flexible Finance Options

We want to make it easy for our customers to buy today and pay later, which is why we have a range of flexible finance options to suit any budget.

Finance provided by:

paypal finance logo v12 finance logo

Our finance packages include options for:

  • pay over 6 months

    Pay over 6 months

  • pay over 12 months

    Pay over 12 months

  • pay over 18 months

    Pay over 18 months

  • pay over 24 months

    Pay over 24 months

  • pay over 3 years

    Pay over 3 years

Spread the cost with PayPal Credit

Get a range of finance options when you spend over £99

What is PayPal Credit?

PayPal Credit is a simple and flexible credit line that sits alongside your PayPal account. It is a paperless, cardless revolving credit limit.

If approved PayPal Credit is accessible from your PayPal account, allowing you to manage your payments, view your balance and check your monthly statements online.

How do I apply?

As long as you are a UK customer and have £99 worth of goods in your basket you will be eligible to apply for PayPal Credit.

There's no lengthy application to fill out, just answer some quick questions, review and accept the terms and get a decision in seconds.

We offer options to pay over 6 months, 12 months, 18 months and 24 months and pay just 17.9% APR interest.

How do I know which products are eligible?

As long as you have a basket total of over £99 you will be eligible to apply for PayPal credit. All of our products are included in this offer so you don’t need to worry about if the products you are looking to purchase are eligible!

How do I choose PayPal Credit when paying?

As long as you have a basket total of over £99 you will see the option for paypal credit alongside our other payment options in your shopping basket. Simply click the paypal credit option and follow the easy on-screen instructions to apply.

Example of a £500 purchase

Monthly Payment Instalment Rate Cost of Purchase Total inc. any interest
6 months £98.25 17.9% interest £500 £544.75
12 months £49.13 17.9% interest £500 £589.50
18 months £35.24 17.9% p.a. (fixed) £500 £634.25
24 months £28.29 17.9% p.a. (fixed) £500 £679.00

If you are approved for a credit limit with PayPal Credit and use it for future purchases, the APR for those purchases won't be more than 17.9% and may be even lower.

Representative Example

Purchase rate: 17.9% APR (variable)

Representative: 17.9% APR (variable)

Assumed Credit Limit: £1,200

Subject to approval. Terms and Conditions apply.

Buy It Direct Ltd acts as a broker and offers credit from PayPal (Europe) S.à.r.l. et Cie, S.C.A., 22-24 Boulevard Royal L-2449, Luxembourg. PayPal Credit is a trading name of PayPal (Europe) S.à.r.l. et Cie, S.C.A., 22-24 Boulevard Royal L-2449, Luxembourg.


Do I need a PayPal account to apply?

Yes. Once you have chosen the PayPal Credit payment option, you will be directed to the PayPal website. It is a PayPal Credit requirement that you login to your PayPal account or create an account at that point.

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

Unfortunately, we have no control over the success or failure of an application - this is entirely PayPal's decision. If you have been declined, PayPal will email you with information about why your application was unsuccessful.

Don't worry, although you weren't approved for PayPal Credit, you can still use PayPal to check out securely with your bank account, debit or credit card.

v12 finance

This is an easy and simple way of spreading the cost over 36 months. After making an initial 10% deposit you will then make 36 equal monthly payments at 19.9% APR. NOTE: When calculating the 10% deposit, the amount you pay may be slightly more than 10% as the figure is adjusted to give rounded loan amounts.

How to apply

  • 1

    Add your product(s) to the basket. (Your basket must total over £500 to qualify)

  • 2

    Select Finance in checkout and select the pay over 36 months option

  • 3

    Complete the quick application and if approved, relax and await your delivery!

Note: you will be asked for your card details to pay the initial 10% deposit, this will not be charged until your finance application has been approved.

Example of a £500 purchase Deposit amount Monthly Payment Instalment Rate Cost of Purchase Total inc. any interest
36 Months £50 £16.34 19.9% p.a.) £500 £638.24

Finance - Frequently Asked Questions

Am I eligible for finance?

The short answer is, you probably are! Our credit provider carries out credit checks and has a few requirements for offering finance but please make sure you meet these simple requirements

  • Your order is £99 or more
  • You are 18 years or older
  • You are a UK resident, and have been for more than 3 years
  • You can make regular direct debit payments
  • You are in regular employment, or permanently live with a spouse who is in regular employment
  • Have a credit/debit card in your name that is registered to your current address
  • You have a good credit history, and have received no CCJs

How long does it take to apply?

That depends how fast you can type! There are no lengthy applications to complete, you're just asked a few short questions and you can get an instant decision.

What details should I have to hand?

You don't need much - if you already have a PayPal account then usually you'll just have a few questions to answer, if you don't have a PayPal account you just need to register with them.

What if I am declined for finance?

When you're applying for finance you always need to remember that there is a possibility you will be declined. This can often be caused by one of a number of reasons, but usually it will be caused by a negative credit score or a default on an existing loan. We've done our best to make it as easy as possible for our customers that aren't successful in applying to continue their order and pay by Credit Card, Debit Card, PayPal Wallet or Bank Transfer - it really is as simple as clicking "complete my order using a different method". And as always, if you have any concerns please do get in touch.


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