What is PayPal Credit?
PayPal Credit is like a credit card, without the plastic. It's a credit limit that's attached to your PayPal account which you can use for your online purchases.
If approved, PayPal Credit is accessible from your PayPal account, allowing you to manage your payments, view your balance and check your monthly statements online. There's no lengthy application to fill out, just answer some quick questions, review and accept the terms and get a decision in seconds.
What credit offers are available?
If your basket is eligible, a selection of instalment offers will be displayed enabling you to spread the cost of your purchase across a number of monthly payments. Audio Emotion instalment purchases qualify for the following options:
- Spend £99+ : 0% interest for 12 months
- Spend £199+ : 0% interest for up to 24 months
- Spend £499+ : 0% interest for up to 36 months
- Spend £999+ : 0% interest for up to 48 months
For more info and to help you with all the questions you have for PayPal about this payment type check out the PayPal Credit help pages.
As long as you are a UK customer and have £99 worth of goods in your basket you will be eligible to apply for PayPal Credit.
How do I use PayPal Credit?
It couldn't be easier! You can apply for PayPal Credit directly from the checkout. Just select PayPal at checkout, then click on the PayPal Pay Later button.
The application should take no more than 10 minutes to complete and you will then be redirected back to complete your transaction.
To learn more about PayPal Credit Click Here
PayPal Pay In 3
Pay in 3 interest-free payments
Available for purchases of £30 to £2000. No sign-up fees or late fees.
Example of a £90 purchase
How to apply for PayPal Pay In 3
- Choose PayPal, then click the PayPal Pay Later button 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.
*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. Terms and conditions apply. Credit subject to status, UK residents only, Audio Emotion Ltd acts as a broker and offers finance from PayPal Credit. PayPal Pay in 3 is not regulated by the Financial Conduct Authority. Pay in 3 eligibility is subject to status and approval. 18+. UK residents only. Pay in 3 is a form of credit. Check if affordable and how you will repay. May make other borrowing more difficult or expensive. See product terms for more details.