PayPal Credit
Shop Now, Pay Later with PayPal Credit
We’ve partnered with PayPal Credit to offer you a simple, flexible way to pay for your musical gear, with 0% interest for 4 months on purchases over £99.00. This is the perfect option to help you spread the cost of bigger purchases.
How Does PayPal Credit Work?
- Spend Over £99.00
When you spend £99.00 or more, you’ll automatically get 0% interest for 4 months on your purchase. - Pay Over Time
Choose PayPal Credit at checkout and make your payments in instalments. No upfront payment required. - Keep Shopping
You can use PayPal Credit for future purchases, and every time you spend over £99.00, you'll enjoy the 0% interest offer again and again!
Representative Example
- Representative 23.9% APR (variable)
- Purchase interest rate: 23.9% p.a. (variable)
- Assumed credit limit: £1,200
This example illustrates the typical cost of using PayPal Credit as a standard funding method. However, with offers like the 0% for 4 months, the interest rate will be lower in many cases.
Pay in Instalments with PayPal Credit
You can spread the cost over a longer period by choosing one of PayPal Credit’s instalment options. They offer plans for 6, 12, 18, and 24 months.
- 6 and 12 monthly payment options – Minimum spend £99
- 6, 12, 18, and 24 monthly payment options – Minimum spend £199
How to Apply for PayPal Credit
- Easy Application Process
Click on the PayPal Credit button during checkout. It takes just minutes to complete the application form. PayPal will run a quick credit check and, if approved, you'll receive a credit limit linked to your PayPal account. - Start Shopping
You can use the approved credit limit to pay for your current purchase, and future purchases too, up to your credit limit.
Before you apply, make sure you meet the following criteria:
- UK resident
- Aged 18 or over
- Good credit history
- Employed or retired with an income of over £10,000 per year
Frequently Asked Questions
Do I need to reapply if I already have PayPal Credit?
No, if you already have PayPal Credit, simply select it as your payment option at checkout.
Do I need a PayPal account?
Yes, you need a PayPal account. If you don’t have one, you can create a PayPal account during the PayPal Credit application process.
What happens if I am unsuccessful in applying for PayPal Credit?
If your application is declined, PayPal will let you know why. You can still use PayPal to complete your purchase.
What if I want to return the item I bought using PayPal Credit?
If you need to return your purchase, simply follow the return process for the retailer. Once they process your return, PayPal will adjust your balance.
What if I don’t pay on time?
PayPal Credit will send reminders before your payment is due. If you miss a payment, they’ll work with you, but you might incur interest charges. Late payments may also affect your credit rating.
For more details, visit PayPal's PayPal Credit Terms and Conditions and FAQ.