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Finance Options Available

Buy today and pay later by selecting one of our flexible finance options. 

  • finance step 1

    Step One

    Add any product over £99 to your basket and fill in your details, at the payment stage select "PayPal Credit".

  • finance step 2

    Step Two

    Pick your plan. We offer 6, 12, 18 & 24 month plans with PayPal Credit.

  • finance step 3

    Step Three

    Fill in your details and complete your Application for credit. Interest is fixed at just 19.9%APR with PayPal Credit which you can select in the basket. If your application is successful you will need to e-sign your finance agreement as soon as possible to secure your preferred delivery date.

How does this work?

Flexible repayment options are available on all items over £99, making those big investments easier to manage.

And all it takes is a simple application form. You can choose to spread the cost over as long as 24 months using PayPal Credit at a rate of 19.9%APR.

Representative Example

Order value (cash price) £400, total amount of credit £400 with no deposit to pay, 19.9% representative APR, annual rate of interest 10.17% fixed, 12 monthly payments of £36.72, total amount payable £440.64.

Example of a £500 purchase

Here’s a table we’ve put together using a £500 purchase example, take a look to see how payments are broken down.

Term Provider Representative APR (Fixed) Min Spend Deposit Payments Total Payable
24 Months PayPal Credit 19.9%APR £99 No Deposit £24 per month £575.95
18 Months PayPal Credit 19.9%APR £99 No Deposit £31.88 per month £573.82
12 Months PayPal Credit 19.9%APR £99 No Deposit £45.50 per month £546.03
6 Months PayPal Credit 19.9%APR £99 No Deposit £87.74 per month £526.43

Finance Terms & Conditions

During the application process PayPal Credit may do a small authorisation charge (no more than 50p) against your credit or card to verify your identity, no money will be taken from your card however where there is a deposit for finance this may be reserved from your account, if you are declined for finance these funds will be unavailable for  up to 5 working days.

Pay monthly finance is available for: 6, 12, 18 and 24 months using PayPal Credit. To be eligible to apply for finance, you must be 18 or older, in regular employment, live with someone in regular employment, or retired, and have been a UK resident for more than 3 years. Other conditions may apply and we cannot guarantee that your application will be accepted. If your application is successful you will enter into a Credit Agreement with PayPal Europe on 6, 12, 18, 24 months finance. Should you cancel your credit agreement and have already received products from us, then you will be liable to pay us in full for the product (unless your cancellation rights apply).

Interest Free finance options will be available on selected products as part of a specific promotion. These promotions are subject to availability and can be withdrawn at any time.

For more information please visit PayPal's FAQs page here.

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