PayPal Credit Account Free 4 Months 0% APR Offer-Now From£99 down From£150

Our 0% for 4 months offer is improving

We're always looking for ways to improve our services and help you get even more from PayPal Credit – which is why we’ve listened to our customers’ feedback. We are improving our 0% for 4 months offer. It will now apply to purchases and basket totals of £99 or more instead of £150 or more. This is referred to as a Conditional Purchase Offer in your terms.

Summary of the changes

1. Standard variable rate of interest will increase from 17.9% to 19.9%

2. 0% for 4 months offer will apply to purchases of £99 or more (previously £150 or more)

3. The minimum monthly payment will increase

Details of the changes and what you need to know

1. Standard variable rate of interest will increase from 17.9% p.a. to 19.9% p.a. As a result, the APR will also increase to 19.9% APR (variable)

This increase is in response to a general rise in interest rates in the UK during the last 12 months. The changes will also help us to continue to offer and improve our 0% interest for 4 months offer.

The new interest rate will apply to all purchases made from 1st May 2019. Any standard purchases made before that date will be subject to the existing interest rate of 17.9% p.a. Any promotional purchases made before 1st May 2019 will remain subject to the applicable promotion’s interest rate and terms. If these expire after 1st May and are not repaid in full, the remaining balance will move to the new interest rate of 19.9% p.a.

It is important that you understand that this could:

• increase the amount you pay each month; and

• may mean that it takes you longer to repay any outstanding balance on your account.