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PayPal Credit

0% interest for 4 months

Available on all purchases over £99.

Terms and conditions apply. Subject to status.

We also offer PayPal Credit Pay in 3 Find out more

Laptops Direct finance available

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


23.9% APR (variable)

Purchase Interest Rate

23.9% p.a (variable)

Assumed Credit Limit


Example of a £500 purchase

Term Representative APR Payments per month Total payable
36 months (over £499) 14.9% APR £17.09 Total Payable £614.93
24 months (over £199) 14.9% APR £24.00 Total Payable £575.98
12 months (over £99) 14.9% APR £44.89 Total Payable £538.64
6 months (over £99) 14.9% APR £86.77 Total Payable £520.57
4 months (over £99) 0% APR min monthly payment Total Payable £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

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.

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

due today

1 month

2 months

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.

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