paypal paypal

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.
Learn More »

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

Step One

Select your monthly budget

£30£250
I want to spend around £0 a month.

Step Two

Choose over how many months

12 24 36

Your Finance Calculation

Your monthly payments*

£0

Your deposit* (fixed at 10%)

£0

Maximum Order Value

£0

Representative APR (Fixed)

0%

FAQ.

PayPal Pay in 3 is an interest-free loan that lets you split your basket into 3 payments, with the first due at time of purchase and subsequent payments due every month on the same date. It’s a great way to spread the cost of larger items or to cover emergencies, and is a helpful tool to manage your budget more effectively. Please note that Pay in 3 is a form of credit, so carefully consider whether you can afford the repayments and possible impact to your credit score.
We’re offering PayPal Pay in 3 to a growing number of our UK customers.

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.
Your plan will last 2 months in total. The first payment will be due at the time of purchase, followed by 2 further payments due each month after that.
To apply for PayPal Pay in 3, you’ll need to provide your:
  • Title
  • Phone number
  • Address
  • Date of birth
  • Debit card information
Our decision making process is automated. We assess your financial position using a combination of the information you provided within your application, and information about your usage and history with PayPal to decide whether PayPal Pay in 3 is suitable for you at this time.
If needed, PayPal will run a soft credit check with an external credit reference agency. This leaves no permanent mark on a customer’s credit record if they choose not to progress. However, if a customer decides to use Pay in 3, we will report their ongoing performance to credit reference agencies as we believe this promotes responsible lending. So, it’s important that you’re able to keep up your repayments and that you’re comfortable that they’re affordable.
There are no fees for choosing to pay with PayPal Pay in 3.
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.

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:

  • 0% for 4 months on all purchases of £99.00 and over; and

  • instalment offers with selected merchants.

  • 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 monthly minimum repayment will be shown in each statement and in the PayPal Credit section of your PayPal account. Any offers you have are also detailed in these locations.
    Your minimum repayment amount is calculated based on your purchases, and will include:

  • any instalment offer payments due for that month;

  • the full balance if less than £5.00, or the higher of £5.00 or 2% of the outstanding balance (which excludes any instalment offer balances, but includes any 0% for 4-month offer balances); and

  • any interest, charges, and arrears.


  • 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 balance0% 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 = £6.002% of £100.00 = £2.00
    Your minimum repayment would be £100.00 + £6.00 + £2.00 = £108.00
    .
    0% interest for 4 months is available on single transactions of £99.00 or more. This means when you spend more than £99.00 in one shopping basket, you’ll benefit from the offer and won’t be charged any interest on that transaction for 4 months after purchase. This applies automatically to any purchase made using PayPal Credit in excess of this value, except those to which another promotional offer (such as an instalment offer) applies. You can use this offer as many times as you like as long as you have an available credit limit.

    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.
    With selected merchants, when you check out with PayPal Credit, you’ll be shown a selection of instalment offers which enable you to spread the cost of your purchase across a number of repayments. These instalment offers vary by merchant and allow you to choose a set monthly repayment over a period from 6 to 48 months to help spread the cost of larger purchases in a more manageable way.

    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.
    You can have multiple promotional offers on your account, up to your agreed credit limit and without needing to reapply. This means you can combine standard purchases with the two types of promotional offer available to help spread the cost and manage your budget.
    Assuming you’re up to date with your repayments from previous billing periods, repayments on your account are allocated in the following order:

  • First, the repayment will be applied against any monthly payment due on an instalment offer.

  • Second, any amount remaining will be applied towards purchases that are subject to the standard variable rate of 21.9%.

  • Third, any amounts remaining after this will be applied towards purchases with an instalment offer or 0% for 4 months offer on your account.


  • 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 = £6.002% 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.
    We’ve set up our repayments to act in your best interests. They are designed to keep your instalment offers on track, and to minimise the amount of interest you’ll pay on the rest of your purchases.

    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.
    * Available for purchases of £30-£2,000. 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. Terms and conditions apply. PayPal Pay in 3 is a trading name of PayPal (Europe) S.á.r.l. et Cie, S.C.A., 22-24 Boulevard Royal, L-2449, Luxembourg.