Buy now, pay later
with PayPal Credit

0% interest when you spend over £99 0% interest when you spend over £99

Now there’s no need to wait for latest technology.

To be eligible to apply for PayPal Credit you must:

  • Be a UK resident aged 18 years or over
  • Have a good credit history and not be declared bankrupt
  • Have an annual income of more than £7,500

Please note: Meeting the above criteria does not automatically mean you will be offered credit. Each application will be assessed on its individual merits by PayPal Credit. All decisions on awarding finance will be made by PayPal Credit and not Ebuyer UK Ltd.

PayPal Credit FAQs.

PayPal Credit is like a credit card, without the plastic. It’s a credit limit that sits alongside your PayPal account which you can use for your online purchases.
You can apply for PayPal Credit by clicking the button on our checkout page. The application process only takes a few minutes to complete. Once they receive your application PayPal will perform a credit check and if your application is approved you’ll have a credit limit linked to your PayPal account as soon as you accept your Credit Agreement.

Once approved you can use your credit limit to pay for your purchases from and future purchases at thousands of online stores where PayPal is accepted, up to your credit limit.
0% interest for 4 months is available on single transactions of £99 or more. It applies automatically to any purchase made using PayPal Credit in excess of this value, except those to which another Promotional Purchase 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.

Any remaining balance due after the 4-month promotional period or any transactions under £99 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.
You can make a single payment from your bank account, debit card or PayPal balance at any time, online by logging into your account and clicking 'Make a Payment'.
You can keep track of your PayPal Credit activity and history by logging in to your PayPal account and selecting PayPal Credit.
If you already have PayPal Credit you do not need to reapply, just select PayPal Credit as your payment option at checkout.
Yes, however if you don’t have a PayPal account, you can create one as part of the PayPal Credit application.
If you have been declined for PayPal Credit, PayPal will send you more information about why your application was unsuccessful.
Just return your purchase as normal and the money will be refunded to your PayPal Credit account.
The Representative Example below shows the typical costs of using a PayPal Credit limit, without using promotional offers:

Representative Example

Purchase rate 21.9% p.a. (variable)
Representative 21.9% APR (variable)
Assumed Credit Limit £1,200

* The minimum payment due still applies to 0% offer balances. Any remaining balance due after the 4-month promotional period or any transactions under £99 will be charged interest at 21.9% p.a. (variable). In order to maintain the 0% offer, you need to keep up monthly repayments and stay within your credit limit.
Paypal provide more detailed information on their help pages. For more information, please click the link.