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

Representative Example

Purchase rate 23.9% p.a. (variable)
Representative 23.9% APR (variable)
Assumed Credit Limit £1,200

* 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 31.9% p.a. (variable). In order to maintain the 0% offer, you need to keep up monthly repayments and stay within your credit limit.

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.

You can apply for PayPal Credit by clicking the button on our checkout page. The application process only takes a few minutes to complete. Once they receive your application PayPal will perform a credit check and if your application is approved you’ll have a credit limit linked to your PayPal account as soon as you accept your Credit Agreement.

Once approved you can use your credit limit to pay for your purchases from Gladiator PC and future purchases at thousands of online stores where PayPal is accepted, up to your credit limit.

You can make a single payment from your bank account, debit card or PayPal balance at any time, online by logging into your account and clicking 'Make a Payment'.

You can keep track of your PayPal Credit activity and history by logging in to your PayPal account and selecting PayPal Credit.

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

If you have been declined for PayPal Credit, PayPal will send you more information about why your application was unsuccessful.

Just return your purchase as normal and the money will be refunded to your PayPal Credit account.

Paypal provide more detailed information on their help pages. For more information, please click the link.