PayPal Credit

Buy now.

Pay over

time.

Shop with PayPal Credit's digital, reusable credit line and get 0% interest over 4 months every time you spend £99 or more. Seriously.

Apply NowAlready have PayPal Credit?
PayPal Credit is a regulated credit product and gives you a credit limit which can be used for promotional offers. During the 4 months’ offer period you must make your minimum monthly payment or your 0% offer may be removed. Any remaining balance due after the offer period or any transactions under £99 will be charged interest at your standard variable rate.
Man standing outside holding his phone

A 0% interest offer you can use again and again.

Our 0% interest offer is better than just an introductory offer. Simply spend £99 or more and automatically get 0% interest for 4 months on that purchase - and every purchase £99+. PayPal Credit is the perfect way to manage the cost of those bigger buys.

A digital credit line, always on.

  • Get the flexibility of managing your PayPal Credit account any time, anywhere.

  • Use PayPal Credit almost anywhere PayPal is accepted.

  • 0% interest for 4 months every single time you spend £99 or more in one go.

  • If approved, you can start shopping straightaway with PayPal Credit.

Apply Now

Representative Example

Representative Example
Representative Purchase interest rate Assumed credit limit
23.9 %
APR (variable)
23.9 %
p.a. (variable)
£1,200

Representative

23.9 %
APR (variable)

Purchase interest rate

23.9 %
p.a. (variable)

Assumed credit limit

£1,200
Your actual interest rate and credit limit may vary depending on your individual circumstances.
Subject to status. T&Cs apply. UK residents only.

Now get

3% cashback1

this summer

From July to September choose a category each month. Check out with PayPal, your trusted way to pay, and get cashback on eligible purchases when you pay now, pay later, or over time. You can earn up to £15 a month.

Choose Category
Cashback: Promotion consists of three monthly offer periods and runs from 1 July 2025 to 30 September 2025. To earn cashback in each month you must activate the offer and select a category within the PayPal app. Offer only applies to purchases made in that month and after activation. Max £15 cashback per month. T&Cs apply.
PayPal Credit & Pay in 3 subject to status. 18+. PayPal Credit: Representative 23.9% APR (variable).Pay in 3 is unregulated credit. Consider if affordable and impact on other borrowing. Eligible purchases via PayPal online checkout only.

Frequently asked questions

Discover more ways to send and receive money

Payment Methods
 
Pay in 3
 
Pay with QR Codes
 
Earn Credit Card Rewards
 

All in

the new

PayPal

app

Simply and securely manage your transactions from one trustworthy place and get access to special offers. Download the new app on your phone or sign up for free online.

Credit subject to status. Terms and conditions apply. UK residents only.
All screen images shown are for illustrative purposes only. Actual experience will be based on account activity.
1
Promotion period runs from 1 July 2025 to 30 September 2025 and promotion consists of three individual monthly offers. To participate in any monthly offer of the promotion, the cashback offer for that calendar month must be activated and accepted in the PayPal app during that calendar month. You must select a category each month in order to participate and earn cashback. For offers activated in any calendar month of the promotion, cashback will only be earned on purchases made during that calendar month and after activation of that month’s offer, and is capped at 15GBP per month. Terms and exclusions apply.