0% Interest for 4 Months on purchases above £99*

What Is PayPal Credit?

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

Why Choose PayPal Credit?

PayPal Credit gives you the option to spread the cost over a period of time, making purchases more affordable.

How to apply

Simply choose PayPal Credit as your preferred payment option at the checkout. It only takes a matter of minutes to apply.



Do I need to have a PayPal account?

Yes, however if you don’t have a PayPal account, you can create one as part of the PayPal Credit application.
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 PayPal’s User Agreement.

What happens if I want to return the item I bought using my PayPal Credit?

Just return your purchase as normal and the money will be refunded to your PayPal Credit account.

What do I do if i’m unsuccessful in applying for PayPal credit?

If you have been declined for PayPal Credit, PayPal will send you more information about why your application was unsuccessful. You can still use PayPal to complete your purchase.

Am I eligible for PayPal credit?

Before you apply, please make sure you:

  • Are a UK resident aged 18 years or older
  • Have a good credit history
  • Have not recently been declared bankrupt
  • Be employed and have an income greater than £7500 per year

For more information please see the PayPal Credit FAQ page

  • Representative 23.9% APR (variable)
  • Purchase rate 23.9% p.a. (variable)
  • Assumed credit limit £1,200
Finance provided by PayPal Credit. Terms and conditions apply. Credit subject to status, UK residents only, Richer Sounds Limited acts as a broker and offers finance from PayPal Credit, PayPal Credit is a trading name of PayPal UK Ltd, Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH.