0% interest for 4 months
Available on all purchases over £99.
Terms and conditions apply. Subject to status.
We also offer 
Pay in 3 Find out more
Enjoy it now, pay over time.
With PayPal Credit, large purchases become much more manageable. If you spend over £99, you can choose to spread the cost.
Representative Example
Representative
23.9% APR (variable)
Purchase Interest Rate
23.9% p.a (variable)
Assumed Credit Limit
£1,200
Example of a £500 purchase
| Term | Representative APR | Payments per month | Total payable |
|---|---|---|---|
| 36 months (over £499) | 14.9% APR | £17.09 | £614.93 |
| 24 months (over £199) | 14.9% APR | £24.00 | £575.98 |
| 12 months (over £99) | 14.9% APR | £44.89 | £538.64 |
| 6 months (over £99) | 14.9% APR | £86.77 | £520.57 |
| 4 months (over £99) | 0% APR | min monthly payment | £500 |
Any remaining balance due after the promotional period or any transactions under £99 will be charged interest at the standard variable rate. In order to maintain the 0% offer, you need to keep up monthly repayments and stay within your credit limit. Credit subject to status. Terms and conditions apply. UK residents only. PayPal Credit and PayPal Pay in 3 are trading names of PayPal UK Ltd, Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH. Buy It Direct Ltd acts as a broker and offers credit from PayPal Credit.
Buy It Direct are registered with the Financial Conduct Authority as a credit broker, the FCA registration reference is 717700. For more information please visit https://www.fca.org.uk/.
For more information on PayPal Credit, please visit PayPal’s FAQs page here.
How do I apply for PayPal Credit?
Add any product over £99 to your basket
Select Paypal Credit at checkout
Complete the application via PayPal and get an instant decision.
How do I apply for PayPal Credit?
£30.00
due today
£30.00
1 month
£30.00
2 month
How do I apply for PayPal Pay In 3?
Choose PayPal at checkout to pay later with Pay in 3.
Apply for Pay in 3 and get a decision instantly
Make 1st payment (Remaining payments are taken automatically)
PayPal Pay in 3: PayPal Pay in 3 is not regulated by the Financial Conduct Authority. 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. See product terms for more details.
For more information on PayPal Pay in 3, please visit PayPal’s FAQs page here.
