PayPal Credit

Pay with PayPal Credit

Pay for all orders above £250 with 12 - 36 months 0% p.a. finance.*

Representative example without 0% offer: Representative 23.9% APR (variable). Purchase interest rate 23.9% p.a. (variable). Assumed credit limit £1,200.

Galaxy S25 Ultra is shown in Titanium Grey on a white background with accompanying S Pen.

Galaxy S25 Ultra

From £ a month for 36 months at 0% APR representative*

Galaxy S25+ is shown in Pink Gold on a white background.

Galaxy S25+

From £ a month for 36 months at 0% APR representative*

Galaxy S25 is shown in Mint on a white background.

Galaxy S25

From £ a month for 36 months at 0% APR representative*

*Representative example without 0% offer: Representative 23.9% APR (variable). Purchase interest rate 23.9% p.a. (variable). Assumed credit limit £1,200.

Galaxy Book5 Pro

Galaxy Book5 series with S Pen is shown next to "Galaxy AI meets Copilot + PC" Galaxy Book5 series with S Pen is shown next to "Galaxy AI meets Copilot + PC"

How it works

Frequently asked questions

How does PayPal Credit work?

Think of it as credit without a card. If approved, you'll get a credit limit that can be used straight away at thousands of online stores that accept PayPal. At some of those stores, you can use PayPal Credit to pay in instalments. This lets you spread the cost with equal monthly payments, usually at a lower interest rate. You may also be able to access other types of promotional offers. For more information, call PayPal Customer Service on 0800 368 7155.
Our opening hours:
8:00 a.m. to 8:30 p.m. Monday to Friday
8:00 a.m. to 6:30 p.m. Saturday and Sunday
If you're calling from outside the UK. call 0044 800 368 715
8:00 a.m. to 8:30 p.m. Monday to Friday
8:00 a.m. to 6:30 p.m. Saturday and Sunday
Fax: 020 8080 6518

What is a Representative APR?

A Representative APR (Annual Percentage Rate) is shown on products where you borrow money, so that an easier and fairer comparison can be made. It's the typical cost of credit expressed as a percentage, spread over 12 months.

Does it take long to apply?

The application should take no more than 10 minutes to complete. We'll run a credit check and give you a decision in seconds. Once you've read and agreed to your Credit Agreement, you can complete your purchase right away.

How do I make payments?

You can make a one-off repayment from your bank account, debit card or PayPal balance at any time, either online or by calling PayPal Customer Service. Alternatively you can set up monthly Direct Debit payments from a bank account you've linked to your PayPal account. To set up Direct Debit payments, log in to your PayPal account and follow the instructions on the Make a Payment page.

Does PayPal Credit offer other benefits?

PayPal Credit gives you credit that you can use again and again. Other benefits include:
- Flexibility and control — choose to settle up immediately or spread the costs monthly
- Promotional offers so you could receive reduced interest, or interest-free rates, on certain purchases
- PayPal Credit is easily accessible from your PayPal account when you make an online purchase
- An easy way to manage purchases: view purchases on your monthly statement or online.

Are there any fees associated with PayPal Credit?

If you're late with a payment, PayPal will charge you a late payment fee of £12. You'll be charged a return payment fee of £12 if you have insufficient funds to cover the payment. We also charge a fee of £5 if you request a printed copy of a previous statement. For more information on how these fees apply, please refer to the Credit Agreement.

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1. Subject to status and credit approval. Finance provided by PayPal Credit. Samsung Electronics (UK) Limited acts as a broker and offers finance from a limited number of providers. PayPal Credit and PayPal Pay in 3 are trading names of PayPal UK Ltd, 5 Fleet Place, London, United Kingdom, EC4M 7RD. Please be aware that late or missing repayments may also affect your credit rating, which could make it more difficult or expensive for you to obtain credit in the future. T&Cs apply.

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