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Spread the cost of the items you need with our range of flexible finance options to suit any budget - from names you can trust!

Credit without the card - Flexible Finance!

Our flexible repayment options allow for large investments to be much more manageable. If you spend over £99, you can choose to spread the cost over a period of up to 24 months.

Representative example

Assumed credit limit £1,200, Representative 19.9% APR (variable), Purchase rate 19.9% p.a. (variable)

The example above represents the typical costs of using PayPal Credit as a standard funding method. Interest on your instalment offer is fixed for its duration. For more information please visit our finance page by clicking here, or proceed to checkout and select the "PayPal Credit" option in the checkout.

Below is an example of a £500 purchase:
Term Representative APR (Fixed) Minimum Spend Payments Total Payable
24 Months 19.9%APR £99 £24 per month £575.95
18 Months 19.9%APR £99 £31.88 per month £573.82
12 Months 19.9%APR £99 £45.50 per month £546.03
6 Months 19.9%APR £99 £87.74 per month £526.43
4 Months 0%APR £99 £125 per month £500

It's as easy as...

Add any product over £99 to your basket.

Select the "PayPal Credit" button in the basket.

Fill in your details and complete your application and get an instant decision!

Finance Terms and Conditions

During the application process PayPal Credit may do a small authorisation charge (no more than 50p) against your credit or card to verify your identity, no money will be taken from your card however where there is a deposit for finance this may be reserved from your account, if you are declined for finance these funds will be unavailable for  up to 5 working days.

Pay monthly finance is available for: 6, 12, 18 and 24 months using PayPal Credit. To be eligible to apply for finance, you must be 18 or older, in regular employment, live with someone in regular employment, or retired, and have been a UK resident for more than 3 years. Other conditions may apply and we cannot guarantee that your application will be accepted. If your application is successful you will enter into a Credit Agreement with PayPal Europe on 6, 12, 18, 24 months finance. Should you cancel your credit agreement and have already received products from us, then you will be liable to pay us in full for the product (unless your cancellation rights apply).

Interest Free finance options will be available on selected products as part of a specific promotion. These promotions are subject to availability and can be withdrawn at any time.

For more information please visit PayPal's FAQs page here.

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