What is PayPal Credit?

 

 

PayPal Credit is like a credit card, but without the plastic. It’s a credit limit linked to your PayPal account that you can use for online purchases, making it easy and flexible to shop.​

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Instalments with PayPal Credit – 0% for 6 or 12 Months

 

For orders over £99, PayPal Credit offers 0% instalment plans to help you spread the cost of your purchase.

 

• Orders over £99: 6 months at 0% interest available

• Orders over £199 (or qualifying amount): 6 or 12 months at 0% interest available

 

With PayPal Credit instalment offers, you get:

 

• Fixed monthly payments, making it easier to plan your budget

• A credit limit linked to your PayPal account for flexible shopping​

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Who is Eligible for PayPal Credit?

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PayPal Credit is available to UK residents (excluding Channel Islands and the Isle of Man) who are:

 

• Over 18 years old

• Employed, with an income over £7,500 per year

• Have a good credit history and have not recently been declared bankrupt​

 

How Do I Apply?

 

 

Simply select PayPal at checkout, then choose PayPal Credit. You’ll log in (or create an account) and complete a short application. If approved, your credit limit will be available immediately.​

 

Already Have PayPal Credit?

 

 

If you already have PayPal Credit, you can use it at checkout with Orologi UK — no need to reapply. Just select one of the instalment offers available and proceed.​​

 

Do I Need a PayPal Account?

 

 

Yes — but if you don’t have one yet, you can create an account as part of your PayPal Credit application. Signing up is free and only takes a few minutes.​

 

Why Don’t I See PayPal Credit at Checkout?

 

 

To see PayPal Credit as a payment option, your basket must meet the minimum spend of £99, and all items must be eligible.​

 

 

 

What If My Application Is Unsuccessful?

 

 

If your application is declined, PayPal will provide details. Don’t worry — you can still complete your order with one of our other payment methods.

 

 

 

What Happens If I Return a PayPal Credit Purchase?

 

 

If your item qualifies for return, we’ll process it as normal, and your refund will be applied back to your PayPal Credit account.

 

 

What Is the Cost of PayPal Credit Outside of Instalment Offers?

 

 

Representative Example:

 

• Purchase rate: 23.9% p.a. (variable)

• Representative: 23.9% APR (variable)

• Assumed credit limit: £1,200

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For full details and FAQs, visit the PayPal Credit information page on PayPal’s website.

 

 

Finance provided by PayPal Credit. Terms and conditions apply. Credit subject to status, UK residents only. Orologi UK acts as a credit broker and offers finance from PayPal Credit. PayPal Credit is a trading name of PayPal UK Ltd, 5 Fleet Place, London, EC4M 7RD.