![]() What happens if I want to return the item I bought using my PayPal Credit? Just return your purchase as normal and the money will be refunded to your PayPal Credit account. You can still use PayPal to complete your purchase. If you have been declined for PayPal Credit, PayPal will send you more information about why your application was unsuccessful. What do I do if I am unsuccessful in applying for PayPal Credit? Signing up for a PayPal account is free and easy all you need to do is provide your email address, create a password and accept PayPal’s User Agreement. Yes, however if you don’t have a PayPal account, you can create one as part of the PayPal Credit application. If you already have PayPal Credit you do not need to reapply, just select PayPal Credit as your payment option at checkout. Are employed and have an income greater than £7,500 per yearĭo I need to reapply if I already have PayPal Credit?.Have not recently been declared bankrupt.Are a UK resident (excluding the Channel Islands and the Isle of Man) aged 18 years or older.You can use the credit limit granted to pay for today's purchase and future purchases at thousands of online stores where PayPal is accepted, up to your credit limit. ![]() PayPal will then run a credit check and, if approved, you’ll have a credit limit linked to your PayPal account as soon as you accept your Credit Agreement. The application form takes minutes to complete. Just click on the PayPal Credit button on our checkout page. In order to maintain the 0% offer, you need to keep up monthly repayments and stay within your credit limit.Īpplying for PayPal Credit is easy. Any remaining balance due after the 4-month promotional period or any transactions under £99 will be charged interest at 23.9% p.a. * The minimum payment due still applies to 0% offer balances. *Plus, you can spread the cost of purchases under £99 at the standard variable rate of interest, currently 23.9% p.a. Every time you spend £99 or more, you will automatically get 0% interest for 4 months on that purchase. It’s a credit limit that’s sits alongside your PayPal account which you can use for your online purchases.Ī 0% interest offer you can use again and again: PayPal Credit’s 0% interest offer is better than just an introductory offer. PayPal Credit is like a credit card, without the plastic.
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