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PayPal Credit

0% Interest

Available on all purchases over £99

Terms and conditions apply. Subject to status

Appliances Direct finance available

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.

Spend over £1,000 for up to 24 months interest free.

Representative Example


21.9% APR (variable)

Purchase Interest Rate

21.9% p.a (variable)

Assumed Credit Limit


Example of a £1000 purchase

Term Representative APR Payments per month Total payable
24 months (min spend £1000) 0% APR £41.66 Total Payable £1000
18 months (min spend £1000) 0% APR £55.55 Total Payable £1000
12 months (min spend £500) 0% APR £83.33 Total Payable £1000
6 months (min spend £500) 0% APR £166.66 Total Payable £1000
4 months (min spend £99) 0% APR N/A Total Payable £1000

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 21.9% 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.

Buy It Direct are registered with the Financial Conduct Authority as a credit broker, the FCA registration reference is 717700. For more information please visit

How do I apply?


Add any product over £99 to your basket


Select Paypal Credit at checkout


Complete the application via PayPal and get an instant decision.

Subject to status. UK residents only. Terms and Conditions apply.

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

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