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For the most up-to-date information about PayPal Credit, please visit

What is PayPal Credit?

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.

Am I eligible for PayPal Credit?

PayPal Credit may be available to you if you:
  • are a UK resident aged 18 years or over;
  • have a good credit history;
  • have not recently been declared bankrupt; and
  • are employed and have an income greater than £7,500 per year
However, meeting these criteria will not automatically guarantee your acceptance. It simply means that PayPal will be able to assess your application to join PayPal Credit.

What credit offers are available?

A 0% interest offer you can use again and again: PayPal Credit’s 0% interest offer is better than just an introductory offer. Every time you spend £99 or more, you will automatically get 0% interest for 4 months on that purchase*.
Plus, you can spread the cost of purchases under £99 at the standard variable rate of interest, currently 23.9% per annum.
*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 23.9% per annum (variable). In order to maintain the 0% offer, you need to keep up monthly repayments and stay within your credit limit.

Month 1

Month 2

Month 3

Month 4

£200 bill

0% representative APR

Total payable: £200





£300 bill

0% representative APR

Total payable: £300





How do I apply?

Applying for PayPal Credit is easy. Just click on the PayPal Credit button on our checkout page.
The application form takes minutes to complete. 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.
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.

Can I apply for PayPal Credit over the phone?

No. PayPal Credit can only be requested via this website.

Do I need to reapply if I already have PayPal Credit?

If you already have PayPal Credit you do not need to reapply, just select PayPal Credit as your payment option at checkout.

Do I need to have a PayPal account?

Yes, however if you don’t have a PayPal account, you can create one as part of the PayPal Credit application.
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.

What do I do if I am unsuccessful in applying for PayPal Credit?

If you have been declined for PayPal Credit, PayPal will send you more information about why your application was unsuccessful. You can still use PayPal to complete your purchase.

What is the cost of PayPal Credit outside of promotional offers?

The Representative Example below shows the typical costs of using a PayPal Credit limit, without using promotional offers:
Representative Example

Purchase rate 23.9% per annum (variable)

Representative 23.9% APR (variable)

Assumed Credit Limit £1,200

What do I do if I want to complain about my finance agreement?

In the first instance, we recommend that you contact PayPal Credit directly as they provide the finance for your purchase: please visit
However, if the complaint is about Halfords Autocentres (Tyres on theDrive), please visit

What if I am unable to make a payment this month?

If you find yourself in this position, we recommend you speak to PayPal Credit as soon as possible so they can help you and provide further advice. Visit

Where else can I go for financial help and support?

The Money Advice Service provides free and unbiased information and advice about financial services. They can be contacted by phone on 0800 138 7777 or email or alternatively, via their website:
If you live in Scotland or Northern Ireland, please consider or respectively.


Need your tyres replacing, but don’t fancy spending all your cash in one go? If so, then we can help you spread the cost, covering spends over £99. Choose PayPal at checkout and get 0% interest for 4-months!
Representative Example
Representative 23.9% APR (variable)
Purchase rate 23.9% p.a (variable)
Assumed credit limit £1,200
Finance provided by PayPal Credit.

Terms and Conditions apply. Credit subject to status. UK residents only.

Halfords Autocentres Ltd t/a Tyres on the Drive acts as a credit broker and offers finance from PayPal Credit.

PayPal Credit is a trading name of PayPal UK Ltd, Whittaker House, Whittaker Avenue, Richomd-Upon-Thames, Surrey, United Kingdom, TW9 1EH