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Flexible ways to pay with PayPal Credit

What is PayPal Credit?

PayPal credit is a credit limit that is attached to your PayPal account allowing you to spread the cost on larger purchases. When you spend £99 or more with Chums, you can enjoy 0% interest for 4 months. You will need to pay a minimum repayment on your balance each month and there are no fees when you pay on time.

What is PayPal?

PayPal is a service that lets you pay, send money, and accept payments without having to enter your financial details each time. 173 million people use PayPal to shop on millions of sites worldwide, in 202 countries.

How does PayPal Credit Work?


Add items totalling £99
or more to your basket


Select the PayPal option
at checkout



Create or Log in to your PayPal
account and select the Credit option


Apply for PayPal Credit and if approved,
you can complete your order immediately

Representative Example

21.9% APR (variable)

Purchase Interest Rate
23.9% p.a. (variable)

Assumed Credit Limit

* The minimum payment due still applies to 0% offer balances. Any remaining balance due after the 4-month promotional period or any transactions under £99 will be charged interest at 23.9% p.a. (variable). In order to maintain the 0% offer, you need to keep up with monthly repayments and stay within your credit limit. Credit subject to status. Terms and conditions apply. UK residents only. CHUMS, Unity Grove, Knowsley Business Park, Liverpool, L34 9AR, acts as a broker and offers finance from PayPal Credit, 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..


Paypal Credit is a credit limit that's attached to your PayPal account which you can use for your online purchases. You will need to set up a PayPal account for this.

Applying for PayPal Credit is quick and easy. Simply complete a short application form and, if approved and once you accept the Credit Agreement, you'll have a credit limit linked to your PayPal account almost straight away.

Yes, however if you don't have a PayPal account, you will create one as part of the PayPal Credit application. Signing up for a PayPal account is free and all you need to do is provide your email address, create a password and accept PayPal's User Agreement.

For PayPal Credit to show as a payment option, you will need to ensure that the items in your basket are eligible for PayPal Credit and that you have a minimum spend of £99 within your basket.

For more information about PayPal Credit, please visit our FAQ's page here

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PayPal Representative Example:

Representative 23.9% APR (variable) Purchase interest rate 23.9% p.a. (variable) Assumed Credit limit £1,200. 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. Terms and conditions apply. Credit subject to status, UK residents only, Chums Ltd acts as a broker and offers finance from a restricted range of finance providers. PayPal Pay in 3 is not regulated by the Financial Conduct Authority. Pay in 3 eligibility is subject to status and approval. 18+. UK residents only. Pay in 3 is a form of credit. Check if affordable and how you will repay. May make other borrowing more difficult or expensive. See product terms for more details