Finance Options

Buy now. Pay over time. With

Paying for laptops on finance via PayPal Credit will help you spread the cost, making your big purchases way more manageable! Pay monthly instalment over 6 or 12 months for purchases over £99, 18 or 24 months for purchases over £199.

How do I apply for Paypal Credit?


Choose Paypal at checkout and select Paypal Credit.


Complete the application via PayPal and get an instant decision.


Choose your payment terms.

To check that you are eligible 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 £7,500 per year. For more information on PayPal Credit, please visit PayPal’s FAQ page here.


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 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 FAQ page here.

Representative Example

  • Representative


    23.90% APR(variable)

  • Purchase Interest Rate


    23.90% p.a(variable)

  • Assumed Credit Limit


Your actual interest rate and credit limit may vary depending on your individual circumstances. Subject to status. T&Cs apply. UK residents only.

Frequently Asked Questions

PayPal Credit

What is Paypal credit?

PayPal Credit is a paperless cardless revolving credit limit that’s built in to the PayPal Wallet. With PayPal Credit, there’s no card to keep track of and it can be used again and again in most places that PayPal is accepted.

Is Paypal Credit available to everyone?

No, PayPal Credit is only available to customers over 18 living in the United Kingdom (excluding Channel Islands and the Isle of Man). We also have to assess a customer’s creditworthiness, so it is not appropriate for customers with a poor credit history.

How can customers apply for Paypal Credit?

Customers may be offered the opportunity to apply for credit on a website, if purchasing an eligible product and choosing to apply for an instalment offer using PayPal Credit. Otherwise they can apply directly via PayPal’s website.

Do some customers applications get declined?

If your customer asks about his/her application being declined, please don’t try to answer what could be the reasons for a decline. PayPal will send the customer an email with the explanation of the decline and contact details, should they have additional questions on the decision. If the decision was due to a customer’s credit history, we will note the credit reference agencies consulted when making the decision.

What if a customer suspects a fraudulent transaction/application?

In case of suspected fraud please refer the customer to the PayPal Credit Customer Service team on 0800 368 7155.

Customer wants to make a complaint about PayPal Credit?

If a customer wants to make a complaint about PayPal Credit, please refer them to the PayPal Credit Customer Service team on 0800 368 7155.

PayPal Pay in 3

How long will my PayPal Pay in 3 plan last?

Your plan will last 2 months in total. The first payment will be due at the time of purchase, followed by 2 further payments due each month after that.

What information do I need to apply for PayPal Pay in 3?

To apply for PayPal Pay in 3, you’ll need to provide your:

  • Title
  • Phone number
  • Address
  • Date of birth
  • Payment details

How is my application for PayPal Pay in 3 assessed?

Our decision making process is automated. We assess your financial position using a combination of the information you provided within your application, and information about your usage and history with PayPal to decide whether PayPal Pay in 3 is suitable for you at this time. We may also run a “soft” credit check with an external credit reference agency when you apply if we need more information to make our decision. This search will only be visible to you and will not affect your credit score.

For more info and offers, visit PayPal Official page

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