Get 0% credit on purchases over £99 spread over 4 months subject to status. Providing you spend more than £99 in a single transaction, PayPal Credit gives you four months interest-free to pay it off.
It is your requirements to meet the minimum repayments: 1% of the outstanding balance, or £5, whichever is higher, or risk late payment fees, and you will want to pay off your entire balance before the four months offer ends.
Getting finance at a store’s check out isn’t a new option of course, and John Lewis, Next, JD Sports and many others offer interest-free payment periods, many up to twelve months.
However, each of these involves filling in a form and a full credit check: with PayPal Credit you need only do this once, and not have to keep several different payment plans in mind. One positive check and the credit is yours to use.
Furthermore, having the freedom to shop anywhere that accepts PayPal (excluding a few gambling outlets) makes it more likely you’ll find the products that you’re looking for.