PayPal Credit Terms

Any remaining balance due after the promotional period or any transactions under £99 will be charged interest at the standard variable rate. 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 and PayPal Pay in 3 are trading names of PayPal UK Ltd, Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH. Buy It Direct Ltd acts as a broker and offers credit from PayPal Credit.

Buy It Direct are registered with the Financial Conduct Authority as a credit broker, the FCA registration reference is 717700. For more information please visit https://www.fca.org.uk/.

For more information on PayPal Credit, please visit PayPal’s FAQs page here.

What is PayPal Credit?

PayPal Credit is like a credit card, without the plastic. It’s a credit limit that’s attached to your PayPal account which you can use for your online purchases.

How do I apply for PayPal Credit?
  1. Add any product over £99 to your basket
  2. Select PayPal Credit at checkout
  3. Complete the application via PayPal and get an instant decision.
What happens if I cancel or return my order?

Your licence key is OEM and bound to the motherboard, should you wish to install your own version of Windows just click “I do not have a key” and it will automatically pull our licence through.

Am I eligible to apply for PayPal Credit?
  • UK resident aged 18 years or older
  • Good credit history
  • Not recently been declared bankrupt
  • Employed and have an income greater than £7,500 per year
Do I need to have a PayPal account?

Yes, but if you don’t have a PayPal account, you can easily create one. When you sign up PayPal Credit, you’ll be asked to either sign into your PayPal account, or sign up for one. 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.

Do I need to reapply if I already have PayPal Credit?

If you already have PayPal Credit, you can take advantage of our offers without having to reapply as long as you have enough available credit limit. Just select one of the available instalment offers and check out with PayPal Credit.

How do I manage my account?

Log in to your PayPal account to manage payments or check your balance.

For more information on PayPal, please visit PayPal’s FAQs page here.