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PayPal Credit

0% interest for 4 months

Available on all purchases over £99.

Terms and conditions apply. Subject to status.

We also offer PayPal Credit Pay in 3 Find out more

Appliances Direct finance available

Why choose appliance finance with us?

Spread the cost

Enjoy it now, pay over time

Replace your appliances whenever you need to

Credit options on thousands of products

Invest in better quality

Get the product you really want

No need to reapply

Make multiple purchases up to your credit limit

Get instant approval

Complete a short form and get approval straight away

Easy management

Log into your PayPal account to manage payments or check your balance

Peace of mind with PayPal

A name you can trust

Representative Example


23.9% APR (variable)

Purchase Interest Rate

23.9% p.a (variable)

Assumed Credit Limit


Example of a £500 purchase

Term Representative APR Payments per month Total payable
36 months (over £499) 14.9% APR £17.09 Total Payable £614.93
24 months (over £199) 14.9% APR £24.00 Total Payable £575.98
12 months (over £99) 14.9% APR £44.89 Total Payable £538.64
6 months (over £99) 14.9% APR £86.77 Total Payable £520.57
4 months (over £99) 0% APR min monthly payment Total Payable £500

Any remaining balance due after the promotional period or any transactions under £99 will be charged interest at the standard variable rate. 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 and PayPal Pay in 3 are trading names of PayPal UK Ltd, Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH. 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

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

How do I apply for PayPal Credit?


Add any product over £99 to your basket


Select Paypal Credit at checkout


Complete the application via PayPal and get an instant decision.

Pay in 3 interest-free payments

Available for purchases of £30 to £2000. No sign-up fees or late fees.

Example of a £90 purchase

due today

1 month

2 months

How do I apply for PayPal Pay In 3?


Choose PayPal at checkout to pay later with Pay in 3.


Apply for Pay in 3 and get a decision instantly


Make 1st payment (Remaining payments are taken automatically)

PayPal Pay in 3: PayPal Pay in 3 is not regulated by the Financial Conduct Authority. Pay in 3 eligibility is subject to status and approval. UK residents only. Pay in 3 is a form of credit, may not be suitable for everyone and use may affect your credit score. See product terms for more details.

For more information on PayPal Pay in 3, please visit PayPal's FAQs page here.

Frequently Asked Questions

  • What is PayPal Credit?

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

  • What happens if I cancel or return my order?

      Return your appliance to us and once the return is accepted, you’ll be refunded directly to your PayPal Credit account.

  • Am I eligible to apply for PayPal Credit?
      • UK resident aged 18 years or older
      • Good credit history
      • Not recently been declared bankrupt
      • Employed and have an income greater than £7,500 per year
  • Do I need to have a PayPal account?

      Yes, but if you don't have a PayPal account, you can easily create one. When you sign up PayPal Credit, you’ll be asked to either sign into your PayPal account, or sign up for one. 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 our User Agreement.

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

      If you already have PayPal Credit, you can take advantage of our offers without having to reapply as long as you have enough available credit limit. Just select one of the available instalment offers and check out with PayPal Credit.

  • How do I manage my account?

      Log in to your PayPal account to manage payments or check your balance.

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

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