Please review each product section separately below. PayPal Credit and PayPal Pay in 3 are different products with different eligibility checks, repayment structures and terms.
A revolving credit account attached to your PayPal account. Spread the cost of purchases over 6, 12, 24 or 36 months. Enjoy 0% interest for up to 12 months when you spend £99 or more.
Add items worth at least £99 to your basket to unlock PayPal Credit at checkout.
Select PayPal Credit as your payment method when you proceed to checkout.
Apply via PayPal in minutes. If approved, your credit limit is ready to use immediately.
PayPal Credit is provided by PayPal (Europe) S.à r.l. et Cie, S.C.A. Subject to status. Terms and conditions apply. 23.9% APR Representative (variable). Credit subject to status, UK residents only.
PayPal Credit can help you spread the cost of larger bathroom purchases with flexible repayment periods. This option is suited to customers who want more time to repay than a 3-instalment plan.
Choose PayPal Credit at checkout, complete the short application and, if approved, place your order immediately.
Credit CalculatorEnter the total amount you want to spend.
The example above highlights the interest you will pay if your balance isn't paid off within the 0% interest free period.
Buying a new bathroom or replacing an old one can be a major cost, so PayPal Credit helps you spread payments over a longer period.
PayPal Credit is a revolving credit account linked to your PayPal account. You can spread the cost over 6, 12, 24 or 36 months. 0% interest is available for up to 12 months on eligible purchases of £99 or more, subject to status and approval.
Typical steps: Add at least £99 to basket, select PayPal at checkout, choose PayPal Credit, complete the credit application and finish your order once approved.
PayPal Credit is a credit limit that is attached to your PayPal account which will allow you to make online purchases and spread the cost over a period of time that suits you.
You will need an active PayPal account and applying takes just a few minutes of your time. When clicking on the PayPal Credit option on our checkout page, you will be shown a selection of instalment options allowing you to spread the cost over a number of monthly payments.
You will then be directed to the PayPal website to complete a short form and PayPal will then run a quick credit check. If your application is approved you will be redirected back to our website to complete your purchase.
For PayPal Credit to show as a payment option you will need to have a minimum of £99 worth of goods in your basket.
If your application if unsuccessful, PayPal will send you more information about why your application failed. You can however still use PayPal to complete the purchase securely with your debit or credit card.
Please use our calculator above to see the available options.
PayPal Credit is only available online and takes just a few minutes to apply.
Yes you can return your purchase as normal (please see our Returns Page) and the money will be refunded back to your PayPal Credit Account once the return has been processed.
No - discount codes cannot be used when applying for PayPal Credit - this includes Trade Account customers.
PayPal Credit information: PayPal Credit FAQ
Split your purchase into 3 equal interest-free monthly payments. The first payment is taken at the time of purchase, with the remaining 2 taken automatically each month. Available on orders between £20 and £3,000.
Your basket must be between £20 and £3,000 to qualify for PayPal Pay in 3.
Choose Pay in 3 from the PayPal payment options at checkout.
Pay the first instalment today. The next two are collected automatically each month.
£600
At checkout
£200
Pay today
£200
1 month later
£200
2 months later
Example for illustration only. Your exact instalments are confirmed by PayPal at checkout based on your order total.
PayPal Pay in 3 is provided by PayPal (Europe) S.à r.l. et Cie, S.C.A. Pay in 3 is a form of credit. Missing payments may affect your ability to use PayPal services and your credit score. Eligibility is subject to status and approval.
Pay in 3 is designed for short-term budgeting, splitting your eligible order into 3 equal monthly instalments with no interest and no setup fees.
Pay the first instalment at checkout, then the next 2 are taken automatically each month.
If you want to split bathroom costs into shorter monthly repayments, PayPal Pay in 3 can be a simple option at checkout.
PayPal Pay in 3 is a separate product from PayPal Credit. It splits eligible purchases between £20 and £3,000 into 3 equal interest-free monthly instalments.
Typical steps: Add between £20 and £3,000 to your basket, choose PayPal at checkout, select Pay in 3, complete PayPal's checks, then repay the next 2 instalments monthly.
PayPal Pay in 3 is an interest-free loan that lets you split your basket into 3 payments, with the first due at time of purchase and subsequent payments due every month on the same date. It's a great way to spread the cost of larger items or to cover emergencies, and is a helpful tool to manage your budget more effectively. Pay in 3 is an unregulated credit agreement, so you will have fewer protections under this agreement than you would under a regulated credit agreement. Carefully consider whether the purchase is affordable and how you will make the repayments. Be aware of the possible impact of using Pay in 3 and of missing payments, including making other borrowing more difficult or more expensive.
When applying for a PayPal Pay in 3, PayPal may conduct a "soft" credit check if they need more information to make a decision. "Soft" credit checks are not visible to others, so have no impact on your credit file. However, PayPal do share some data on your repayment history with Transunion. Although it does not impact your credit score, this data will be visible to other companies and may impact your ability to obtain credit from other lenders and the cost of accessing it. More information is available in PayPal's Pay in 3 Terms & Conditions.
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.
To apply for PayPal Pay in 3, you'll need to provide your:
Title
Phone number
Address
Date of birth
Payment details
PayPal's decision making process is automated. They 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. They may also run a "soft" credit check with an external credit reference agency when you apply if they need more information to make a decision. This search will only be visible to you and will not affect your credit score.
There are no fees for choosing to pay with PayPal Pay in 3.
Find full details on PayPal's official pages: PayPal Buy Now Pay Later (Pay in 3) and Pay in 3 Terms.
PayPal Pay in 3 information: PayPal Pay in 3 Info
If you are unsure about anything to do with the finance options, please call us on 0203 113 2122 or complete the form below and our team will reply.
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