Buy Now, Pay Later with PayPal Credit

A 0% interest offer you can use again and again.

PayPal Credit is like a credit card without the plastic. And with 0% interest for 4 months on all purchases of £99 or more, it’s the perfect way to spread the cost of larger online purchases.*

PayPal Credit 0% interest offer is better than just an introductory offer. Simply spend over £99 and you get 0% interest for 4 months on that purchase. The great thing is you’ll automatically get 0% for 4 months every time you spend over £99. So, if you’re planning a weekend away or fancy splashing out on a new wardrobe, PayPal Credit is the perfect way to spread the cost of those larger purchases.

It’s quick and easy to apply for PayPal Credit – all you need to do is complete a short application form and we’ll give you a decision instantly. If approved and you accept, you’ll have a credit limit attached to your PayPal account to start using straightaway at thousands of online stores.

How 0% interest for 4 months works

Spend £99 or more in one go with PayPal Credit.

Then automatically get 0% interest for 4 months on that purchase.*

Even better, you can use this offer again and again on every purchase over £99.

Representative Example:

Representative

21.9% APR (variable)

Purchase interest rate

21.9% p.a. (variable)

Assumed Credit limit

£1,200

This example above illustrates the typical cost of using PayPal Credit as a standard funding method. If you take advantage of our offers and promotions, including our 0% for 4 months offer, the interest rate that applies will be lower in many circumstances.

Applying is simple

1

Complete the short online application form.

2

If approved and you accept, you’ll have a credit limit attached to your PayPal account almost immediately.

3

Start spending straightaway at thousands of online stores with PayPal Credit.

To be eligible to apply for PayPal Credit you must:

  • Be a UK resident aged 18 years or over
  • Have a good credit history and not be declared bankrupt
  • Have an annual income of more than £7,500

Please note: Meeting the above criteria does not automatically guarantee you will be offered credit. Each application will be assessed on its individual merits by criteria set by PayPal Credit. All decisions on awarding finance will be made by PayPal Credit and not Axminster Tool Centre Ltd.

Benefits of applying

Instant access

If approved, you can start shopping straightaway with PayPal Credit.

Offer never expires

0% interest for 4 months every single time you spend £99 or more in one go.

Convenient way to shop

PayPal Credit is accepted at thousands of online stores.

On your side

PayPal will send you payment reminders so you never miss a payment.

Pay in instalments

Monthly instalment offers at selected merchants so you can spread the cost over longer periods.

In safe hands

Your details are never shared and PayPal Buyer Protection covers your eligible purchases.

Easy management

Manage your PayPal account anywhere – on your desktop, mobile or tablet.

Shop faster

Speed through checkout quicker and easier with just an email address and password.

FAQs

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

See more frequently asked questions

* 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 21.9% p.a. (variable). In order to maintain the 0% offer, you need to keep up monthly repayments and stay within your credit limit. Credit subject to status. Terms and conditions apply. UK residents only. PayPal Credit is trading name of PayPal (Europe) S.à r.l. et Cie, S.C.A. Société en Commandite par Actions Registered Office: 22-24 Boulevard Royal L-2449, Luxembourg RCS Luxembourg B 118 349. Deemed authorised and regulated by the Financial Conduct Authority. The nature and extent of consumer protections may differ from those for firms based in the UK. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.

Privacy Policy & Cookies

We use cookies to improve and personalise our services, for marketing and for social activity. Please see our privacy policy for more information on how and why we use your data. You can change your cookie settings at any time. By continuing, you agree to our use of cookies.

Customer AccountThe outline of a personCustomer BasketA shopping basket with a handleBulk BuysA sale tagBusiness ServicesA building with a door at the frontCatalogueAxminster Tools CatalogueClick & CollectA shopping bag with a handleThe CommunityAxminster Tools & Machinery Forum LogoCompareCompare productsDeliveryA van delivering parcelsPremium DeliveryA van delivering parcels fastEditEdit itemEmailAn envelopeEventbriteThe logo for the Eventbrite websiteExpandTwo arrows pulling away from each otherFacebookThe logo for FacebookFilterDots in a triangle shape pointing downfinanceA walletInstagramThe logo for InstagramLinkedInThe logo for LinkedInLocationA location markerMade in BritainMade in Britain logoMenuThree Horizontal lines stacked on top of each otherPay By FinanceHitachi Pay by Finance LogoPayPalPayPal payment service logoPayPal CreditPayPal credit payment service logoPhoneAn old style telephone receiverPinterestThe logo for PinterestPoint RightAn arrow in a circle pointing rightPrinterA printer, printing a piece of paperPrivatePadlockRemoveTwo lines in a x shapeReturnAn arrow in a circle pointing back to the startSettingsView SettingsSortOne arrow pointing up, one arrow pointing downSpinA circle that spins to show that the page is loadingStockA circle which is coloured to show the current stock levelTickA tick symbolDeleteDeleteTwitterThe logo for TwitterUnavailableA no entry signVideo PlayA Circle with a video play symbol insideWarrantyA screwdriver and a spanner in an x shapeWishlistA heart symbolWood OutlineWood effectYouTubeThe logo for YouTube