Spread the cost with PayPal Credit

Get 0% Instalment offers when you checkout with PayPal Credit on orders over £99.

Regular monthly payments

Pay the same amount each month to help you plan better.

14.9% Interest p.a.

A fixed rate for your term.

Apply at Checkout

Select PayPal then Select Paypal Checkout

What is PayPal Credit?

PayPal Credit is a simple and flexible credit line that sits alongside your PayPal account. It is a paperless, cardless revolving credit limit.

If approved PayPal Credit is accessible from your PayPal account, allowing you to manage your payments, view your balance and check your monthly statements online. There's no lengthy application to fill out, just answer some quick questions, review and accept the terms and get a decision in seconds.

For more info and to help you with all the questions you have for PayPal about this payment type check out PayPal Credit Basics Help.

As long as you are a UK customer and have £99 worth of goods in your basket you will be eligible to apply for PayPal Credit.

If you are approved for a credit limit with PayPal Credit and use it for future purchases, the APR for those purchases won't be more than 17.9% and may be even lower.

How do I know which products are eligible?

All of our products that can be purchased with PayPal Credit are clearly marked.

PayPal eligible

If the PayPal Credit banner is absent, then the product is not eligible to contribute towards the PayPal Credit minimum spend of £99.

Example of a £500 purchase

  Monthly Payment Interest p.a. Item Purchase Cost Total Amount
12 Months £44.89 14.9%
p.a. (fixed)
£500 £538.64
18 Months £30.95 14.9%
p.a. (fixed)
£500 £557.11
24 Months £24.00 14.9%
p.a. (fixed)
£500 £576.00
  12 Months 18 Months 24 Months
Monthly Payment £44.89 £30.95 £24.00
Instalment Rate 14.9%
p.a. (fixed)
p.a. (fixed)
p.a. (fixed)
Cost of Purchase £500 £500 £500
Total inc. interest £538.64 £557.11 £576.00

If you are approved for a credit limit with PayPal Credit and use it for future purchases, the APR for those purchases won't be more than 17.9% and may be even lower.

Representative Example
Purchase rate: 17.9% APR (variable)
Representative: 17.9% APR (variable)
Assumed Credit Limit: £1,200

Terms Subject to approval. Terms and Conditions apply.

PayPal Credit is a trading name PayPal (Europe) S.à.l.r.l. et Cie, S.C.A., 22-24 Boulevard Royal L-2449, Luxembourg.

How do I use PayPal Credit with GigaRefurb?

You can apply for PayPal Credit directly from the checkout. Just Select paypal to checkout then in paypal choose paypal credit option.

This will guide you to PayPal Credit's application page where you can start the process of applying for PayPal Credit.

The application should take no more than 10 minutes to complete and you will then be redirected back to to complete your transaction. All that is left to do is wait for your chosen products turn up!


Do you need to have a PayPal account?


Once you have chosen the PayPal Credit payment option, you will be directed to the PayPal website. It is a PayPal Credit requirement that you login to your PayPal account or create an account at that point.

What do I do if I am unsuccessful in applying for PayPal Credit?

Unfortunately, we have no control over the success or failure of an application - this is entirely PayPal's decision. If you have been declined, PayPal will email you with information about why your application was unsuccessful.

Don't worry, although you weren't approved for PayPal Credit, you can still use PayPal to check out securely with your bank account, debit or credit card.

I do not see PayPal Credit as a payment option?

Check that you are eligible by ensuring you have £99 worth of goods in your basket.

If you have checked that the minimum spend of £99 has been reached and you still have no option for PayPal Credit, please give us a call and we will help you out.

For more information.

You can visit PayPal's help page.