Spread the costs with PayPal Credit

Spread the cost of your products with PayPal Credit

PayPal Credit is a quick and easy way to spread the cost of your purchase over 6 or 12 monthly installments with no monthly interest to pay during the term of the offer. Minimum spend of £99 applies.

How PayPal Credit would work for future purchases

If you are approved for a credit limit with PayPal Credit and use it for future purchases with other retailers, the APR for those purchases won’t be more than 17.9% and may be even lower. The representative example below outlines what you would typically pay:

Representative Example from PayPal Credit

Purchase rate p.a. (variable) Representative APR (variable) Assumed credit limit
17.9% 17.9% APR £1,200

The ZEROhomebills.com SA nor the Operator acts as a broker and offers finance from a restricted range of finance providers. The Finance is offered by PayPal directly to its customers. 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. Spread the costs with PayPal Credit

For further information about any of the following topics, please visit the PayPal Credit FAQ

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

It’s as easy as…

  • 1. Add products to your shopping cart then proceed to payment

  • 2. At the checkout select Pay on finance

  • 3. Complete the easy application to receive an instant decision

What is PayPal Credit?

PayPal Credit acts like an online credit card, and gives you a credit limit that can be used for this and future purchases.  PayPal Credit gives customers access to a range of instalment and purchase offers.

All qualifying purchases from ZEROhomebills.com Store can use installment offers, giving you access to a lower rate for the installment period. Any outstanding balance after this period is subject to PayPal Credit’s standard rate of interest, currently 17.9% p.a. (variable).

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. Spread the costs with PayPal Credit

Apply for PayPal Credit here >>


1. Do you need to have a PayPal account?

Yes; after selecting to pay via PayPal Credit, on our checkout page, you will be redirected to the PayPal website. PayPal requires you to login to an existing account, or sign up for a new account, before being eligible for PayPal Credit.

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

Unfortunately, we have no control over the success or decline of an application – your credit eligibility is at PayPal’s discretion. If you are declined, PayPal will inform you of the reasons 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.

3. Can I use PayPal Credit if I am a trade customer?

Unfortunately not, the PayPal Credit offering is ONLY available to non-trade customers.