0% Interest

Available on all purchases over £99

Terms and conditions apply. Subject to status

Enjoy it now, pay over time.

With PayPal Credit, large purchases become much more manageable. If you spend over £99, you can choose to spread the cost over a period of up to 36 months.

Spend over £99 for 4 months interest free, spend over £249 for 12 months interest free or spend over £499 for 24 months interest free.

How does PayPal Credit work? »

Representative Example

Representative

19.9% APR (variable)

Purchase Interest Rate

19.9% p.a (variable)

Assumed Credit Limit

£1,200

Example of a £500 purchase

Minimum spend of £99 applies to all PayPal Credit purchases.

Term	Representative APR	Payments per month	Total payable
36 months	14.9% APR	£17.09	Total Payable	£614.87
24 months	0% APR	£20.84	Total Payable	£500.00
12 months	0% APR	£41.67	Total Payable	£500.00
6 months	0% APR	£83.34	Total Payable	£500.00
4 months	0% APR	N/A	Total Payable	£500

The minimum payment due still applies to 0% offer balances. Any remaining balance due after the promotional period or any transactions under £99 will be charged interest at 19.9% 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. Buy It Direct Ltd acts as a broker and offers credit from PayPal Credit.