PayPal Credit

For UK customers, using PayPal Credit is a quick, straightforward process allowing you to spread the cost of your purchases over monthly installments for purchases over £99.

Through PayPal Credit, you can purchase your product from ATModels with Interest-Free Credit. The 0% APR credit is available over 4 months on all purchases over £99 (including VAT and Excluding Delivery). Once approved and you have electronically signed your agreement, R&K Enterprise Ltd will process your order.

Do you have a question regarding PayPal Credit? Visit PayPal Credit's FAQ page for information.

To check that you are eligable to apply for a PayPal Credit limit please make sure that you:

  • Are a UK resident aged 18 years or older
  • Have a good credit history and are not currently declared bankrupt
  • Have an income greater than £7,500 per year

Please Note: Meeting these criteria does not automatically guarantee acceptance. It simply means that PayPal will assess your application to join PayPal Credit.

R&K Enterprise Limited acts as a broker and offers finance from a restricted range of finance providers. PayPal Credit is a trading name of PayPal (Europe) S.à.r.l. et Cie, S.C.A., 22-24 Boulevard Royal L-2449, Luxembourg.

How to Check Out Using PayPal Credit

At the checkout, there will be various payment options available, select the PayPal Credit button and follow the instructions on the screen to go through the Credit process.

Visit PayPal Credit's FAQ page for information.

PayPal Credit FAQ

What Is PayPal Credit?

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

What credit offers are available?

A 0% interest offer you can use again and again: PayPal Credit’s 0% interest offer is better than just an introductory offer. Every time you spend £99 or more, you will automatically get 0% interest for 4 months on that purchase. *

Plus, you can spread the cost of purchases under £99 at the standard variable rate of interest, currently 21.9% p.a.

* The minimum payment due still applies to 0% offer balances. Any remaining balance due after the 4-month promotional period or any transactions under £99 will be charged interest at 21.9% p.a. (variable). In order to maintain the 0% offer, you need to keep up monthly repayments and stay within your credit limit.

How do I apply?

Applying for PayPal Credit is easy. Just click on the PayPal Credit button on our checkout page.

The application form takes minutes to complete. PayPal will then run a credit check and, if approved, you’ll have a credit limit linked to your PayPal account as soon as you accept your Credit Agreement.

You can use the credit limit granted to pay for today's purchase and future purchases at thousands of online stores where PayPal is accepted, up to your credit limit.

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

If you already have PayPal Credit you do not need to reapply, just select PayPal Credit as your payment option at checkout.

Do I need to have a PayPal account?

Yes, however if you don’t have a PayPal account, you can create one as part of the PayPal Credit application.

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

If you have been declined for PayPal Credit, PayPal will send you more information about why your application was unsuccessful. You can still use PayPal to complete your purchase.

What happens if I want to return the item I bought using my PayPal Credit?

The return process remains the same as any traditional purchase and any refunds made will be to your PayPal Credit account.

What is the cost of PayPal Credit outside of promotional offers?

The Representative Example below shows the typical costs of using a PayPal Credit limit, without using promotional offers:

Representative Example

  • Purchase rate 21.9% p.a. (variable)
  • Representative 21.9% APR (variable)
  • Assumed Credit Limit £1,200

For information on the following topics:

  • Installment offers
  • Credit limits
  • Eligibility
  • Late payment fees
  • Annual Percentage Rates (APR)

Visit PayPal's help page