About PayPal Credit

What is PayPal Credit?

PayPal Credit is a virtual credit card offered by American multinational financial technology company PayPal. Through using PayPal Credit, consumers get a reusable line of credit that lets you pay for online purchases over time, just like a traditional credit card.

How does it work?

Any PayPal user can apply for PayPal Credit, and if you’re not yet a PayPal user, you can sign up and apply at the same time. Once you’ve filled in your application a credit check will occur, where providing you’re approved, you’ll be given a credit limit to spend how you feel fit and access to both Buy Now, Pay Later and Pay in 3.

During checkout you’ll then have the option of using PayPal where you can decide between using your credit balance, making use of Buy Now, Pay Later, or opting for splitting your purchase interest-free over three months with Pay in 3.

Am I eligible?

All customers must be aged 18 or over to apply for PayPal Credit. Whether or not you get approved is subject to your financial circumstances. When choosing PayPal, their hard-search assessment may affect your credit rating regardless of the outcome. We recommend checking PayPal’s website and terms and conditions to learn more about their application process.

How do returns work?

Simply return your order back to us and we’ll arrange the rest. PayPal Credit will then cancel any future scheduled payments and refund any amounts due.

Where can I find out more?

To find out more about PayPal Credit you can visit the PayPal Credit page as well as read their dedicated FAQs. If you're interested in learning more about PayPal Pay in 3, you can visit the Pay in 3 page and also read their FAQs page too. Full terms and conditions can also be found on both of these.