PayPal Credit is a regulated credit product. It is like a credit card 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.
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.
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.
Representative Example
| Representative | Purchase interest rate | Assumed credit limit |
|---|---|---|
Representative
Purchase interest rate
Assumed credit limit
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.
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: 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
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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.