PayPal offer a choice of buy now pay later options to assist your Kitchen Appliance purchase.
PayPal Credit
Shop with PayPal Credit's digital, reusable credit line and get 0% interest over 4 months every time you spend £99 or more.1 Seriously. PayPal Credit is like a credit card without the plastic.
| Representative | Purchase interest rate | Assumed credit limit |
|---|---|---|
|
23.9 %
APR (variable)
|
23.9 %
p.a. (variable)
|
£1,200
|
Your actual interest rate and credit limit may vary depending on your individual circumstances.
Subject to status. T&Cs apply. UK residents only.
Buy now and Pay in 3
Time and flexibility are on your side. Manage your budget and break the payments up over 2 months.
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.
No late fees
With Pay in 3, there's no interest, no late fees or setup fees.1
Widely available
Shop at your favourite brands and enjoy paying later.
Quick decision
You won’t have to wait long to see if you’re approved.
Backed by PayPal
Your purchases are covered by the same security and Buyer Protection you already enjoy from PayPal.2
| Pay in 31 | |
|---|---|
| Purchase Amount | £30-£2000 |
| Number of payments | 3 interest-free payments |
| Time between payments | First payment is made at the point of purchase with the next two payments made automatically on the same date over two months. |
| Repayment method | Debit card, or confirmed bank account |
| Buyer Protection2 | Included |
| Sign-up and late fees | None |
PayPal Credit - Frequently Asked Questions
How do I apply?
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.
How long does it take to apply for/receive PayPal Credit?
The application form takes minutes to complete. We'll then run a credit check and if approved, you’ll have a credit limit linked to your PayPal account as soon as you accept your credit agreement.
How much will my credit line be?
To determine the size of your credit line we use the information you provide in the application form along with internal PayPal data and an external credit check.
I have a business account. How can I sign up for PayPal Credit?
You can contact PayPal Customer Services to change your business account to a personal account to apply for PayPal Credit. Alternatively, you can create a new personal account to apply.
What if I don’t have a PayPal account?
The first stage of the PayPal Credit application process will ask you to sign into your PayPal account or offer you the opportunity to sign up for one. Once you’ve signed up for a PayPal account, you can begin the application for PayPal Credit. Signing up for a PayPal account is free and easy; all you need to do is provide your email address, create a password and accept our User Agreement.
Buy now and Pay in 3 - Frequently Asked Questions
What is PayPal Pay in 3?
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. Please note that Pay in 3 is a form of credit, so carefully consider whether you can afford the repayments and be aware of the possible impact of missing payments, including making other borrowing more difficult or more expensive.
Will I be able to use PayPal Pay in 3?
We’re offering PayPal Pay in 3 to a growing number of our UK customers.
PayPal Pay in 3 is not available for certain merchants and goods. We may also decide not to offer PayPal Pay in 3 as a payment option in certain circumstances, such as where our checks suggest an increased risk of fraud or where data we hold suggests you may not be eligible. The checks we run are with an external credit reference agency. This search will only be visible to you and will not affect your credit score.
If you choose PayPal Pay in 3 as your payment method when you check out with PayPal, you’ll be taken through the application process. You’ll get a decision instantly, but not everyone is approved based on the checks we carry out.
Can PayPal Pay in 3 ever impact my credit score?
When applying for a PayPal Pay in 3, we may conduct a “soft” credit check if we need more information to make a decision. “Soft” credit checks are not visible to others, so have no impact on your credit file. However, we 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 our Pay in 3 Terms & Conditions.
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.
Are there any fees associated with PayPal Pay in 3?
There are no fees for choosing to pay with PayPal Pay in 3.