

Two ways to pay.

Pay Later in 3 interest-free instalments
on basket over £30 *
- Pay in three equal monthly payments with the first payment being collected at purchase. The next two installments will be collected at monthly intervals on subsequent calendar dates.
- No interest and no set up fees.

Monthly Finance
on basket over £99
- Spread the cost from 6 months up to 3 years - you choose the term
- 0% interest on terms of 6-12 months
- 14.9% interest on terms of 12, 24 & 36 months
See how it works.
Select an amount
Choose how you want to pay
Pay in 3 interest-free instalments so you can spread the cost.
1st payment
£10
£250
2nd payment
£10
£250
3rd payment
£10
£250
Shop now. Pay later with PayPal.
FAQ.
PayPal Pay in 3 is not available for certain merchants and goods. We may also decide not to offer PayPal Pay in 3 as a payment option in certain circumstances, such as where our checks suggest an increased risk of fraud or where data we hold suggests you may not be eligible.
If you choose PayPal Pay in 3 as your payment method when you check out with PayPal, you’ll be taken through the application process. You’ll get a decision instantly, but not everyone will be approved based on our internal checks.
- Title
- Phone number
- Address
- Date of birth
- Debit card information
If your application is successful, PayPal Credit will be available as a funding source within your PayPal wallet and can be used for purchases in most places where PayPal is accepted. You can make purchases in the same way as you would with a normal credit card, by choosing PayPal Credit as your funding source at checkout.
PayPal Credit will provide you with a monthly statement showing your transactions and detailing the minimum repayment amount. Repayments can be made by monthly direct debit, directly from your PayPal account or by speaking to our customer service agents. For further information on how you can pay your PayPal Credit balance, see the ‘Make a Payment’ section below.
For purchases less than £99.00, interest is charged at our standard rate of 21.9% p.a. (variable) if the full amount is not paid off by the date shown on your statement.
In addition, PayPal Credit lets you access two types of promotional offers:
If you use any of these promotional offers, they will also be detailed on your monthly statement, as well as in the PayPal Credit section of your PayPal account.
Your minimum repayment amount is calculated based on your purchases, and will include:
If you fail to make minimum repayments on time or in certain other circumstances, PayPal may remove your offer. Please see your Credit Agreement for more details.
Here’s an example of how your minimum repayment is calculated:
Assuming you had the following transactions on your account: | ||
---|---|---|
Instalment offer | Standard balance | 0% for 4 month balance |
£600.00 at 0% interest, spread over 6 months | £300.00 | £100.00 |
The minimum repayment for each component would be calculated as follows: | ||
£100.00 | 2% of £300.00 = £6.00 | 2% of £100.00 = £2.00 |
Your minimum repayment would be £100.00 + £6.00 + £2.00 = £108.00 |
While no interest is charged, any balance subject to a 0% for 4 months offer will be included in the calculation of your minimum repayment amount.
Any remaining balance due after the 4-month promotional period will be charged at 21.9% p.a. (variable). If you fail to make minimum repayments on time or in certain other circumstances, PayPal may remove your offer. Please see the Credit Agreement for more details.
Instalment offers will always have an interest rate lower than the standard variable rate, and many merchants offer 0% instalments with PayPal Credit. If you already have PayPal Credit, you can take advantage of these offers without having to reapply as long as you have enough available credit limit.
It is important that you think about whether you can afford the monthly repayment agreed for any instalment offer. This will be added to your monthly minimum repayment amount and will need to be paid each month.
If you fail to make repayments or in certain other circumstances, PayPal may remove your offer and any outstanding amount will be charged at 21.9% p.a. (variable). Please see the Credit Agreement for more details.
Repayments are allocated in order, starting with the purchase subject to the highest interest rate and ending with the purchase subject to the lowest interest rate. This reduces the overall amount of interest you would otherwise pay. In the event that two promotional offers have the same interest rate (for example, two 0% for 4-month purchases) these are repaid based on the expiry date, with the soonest to expire being repaid first.
Here’s an example of how we allocate your repayments:
Assuming you had the following transactions on your account: | ||
---|---|---|
Instalment offer | Standard balance | 0% for 4 month balance |
£600.00 at 0% interest, spread over 6 months | £300.00 | £100.00 |
The minimum repayment for each component would be calculated as follows: | ||
£100.00 | 2% of £300.00 = £6.00 | 2% of £100.00 = £2.00 |
Your minimum repayment would be £100.00 + £6.00 + £2.00 = £108.00 | ||
Assuming you repaid £110.00. This would be allocated as follows: | ||
£100.00 towards your instalment offer amount due | £10.00 towards your standard balance as this accrues interest at 21.9% p.a. | £0.00 towards your 0% for 4 months balance |
This means that you will keep your instalment offer on track, but otherwise allocates your repayments in a way that minimises the interest you will pay. |
If you’re experiencing any particular difficulties, please contact us and let us try to help. For further information, please see our ‘What if I can’t pay?’ FAQ below.