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PayPal Credit FAQs

PayPal Credit FAQs


PayPal Credit

Choose a monthly instalment plan with PayPal Credit

Regular monthly payments.

Pay the same amount each month to help you plan better. Fixed interest from 14.9% applies for the length of the instalment plan.

Apply online at checkout.

It’s easy and instant. Select Instalments at checkout and apply with just a few simple steps.
Minimum order: £99
Maximum order: £8000

Representative Example for Paypal Credit:

Representative 17.9% APR (variable), Purchase rate 17.9% p.a. (variable), £1200 assumed credit limit.

The above shows the typical cost of standard, non-instalment purchases using the PayPal Credit product.

Estimate your payments

Please enter the amount you would like to borrow on finance, between a minimum of £99 and maximum of £8,000.


How do I qualify for PayPal Credit?

To check that you are eligable to apply for a PayPal Credit limit please make sure that you:
• Are a UK resident aged 18 years or older
• Have a good credit history and are not currently declared bankrupt
• Have an income greater than £10,000 per year Please Note: Meeting these criteria does not automatically guarantee acceptance. It simply means that PayPal will assess your application to join PayPal Credit.

Do you need to have a PayPal account?

Yes, once you have chosen the PayPal Credit payment option, you will be directed to the PayPal website. It is a PayPal Credit requirement that you login to your PayPal account or create an account at that point.

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

Unfortunately, we have no control over the success or decline of an application – this is all PayPal’s decision. If you have been declined, PayPal will email you with information about why your application was unsuccessful.
Don’t worry, although you weren’t approved for PayPal Credit, you can still use PayPal to check out securely with your bank account, debit or credit card.

I do not see PayPal Credit as a payment option?

Check that you are eligible by ensuring you have of a minimum spend of £99 and maximum spend of £8000.
If you have checked that the minimum spend has been reached and you still have no option for PayPal Credit, please give us a call and we will help you out.

Can I make a phone order and apply for PayPal Credit?

The application for PayPal Credit can only be initiated from an online order.

What happens if I want to return the item I bought using my PayPal Credit?

Orders paid for using PayPal Credit can be returned via all the usual channels. Find out more information in our returns policy

Is PayPal credit available on all PayPal accounts

PayPal Credit is only available on personal accounts.

Terms & Conditions

Subject to credit approval. Finance provided by PayPal Credit. Creative Video Productions Ltd acts as a broker and offers finance from a restricted range of finance providers. PayPal Credit is a trading name of PayPal (Europe) S.à r.l. et Cie, S.C.A., 22-24 Boulevard Royal L-2449, Luxembourg. If you apply and are approved for PayPal Credit, you can use the credit limit granted to pay for today’s purchase and future purchases up to your credit limit. Creative Video Productions Ltd purchases qualify for 14.9% p.a. for a fixed period depending on the length of the term selected. For example a £1200 purchase split over 24 monthly payments at 14.9% p.a. would cost £57.60 per month.


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