Before you apply, please make sure you:
• Are a UK resident aged 18 years or older
• Have a good credit history
• Have not recently been declared bankrupt
• Are employed and have an income greater than £7,500 per year
What is PayPal Credit?
PayPal Credit is like a credit card, without the plastic. It’s a credit limit that’s attached to your PayPal account which you can use for your online purchases.
What credit offers are available?
If your basket is eligible, a selection of instalment offers will be displayed enabling you to spread the cost of your purchase across a number of monthly payments. Westbrook Cycles instalment purchases qualify for 0% p.a. for the length of the selected instalment plan.
With instalment offers from PayPal Credit you get:
• Regular monthly payments – you pay the same amount each month to help you plan better
• A credit limit linked with your PayPal account that makes it easier to buy everything you need
How do I apply?
Applying for PayPal Credit is easy. Just click on the PayPal Credit button on our checkout page. A selection of instalment offers will be displayed, enabling you to spread the cost of your purchase across a number of payments.
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 can take advantage of these offers without having to reapply as long as you have enough available credit limit. Just select one of available instalment offers and check out with PayPal Credit.
Can my order be sent to a different address?
Finance orders can only be shipped to the address given in your finance application.
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.
Signing up for a PayPal account is free and easy; all you need to do is provide your email address, create a password and accept PayPal’s User Agreement.
I do not see PayPal Credit as a payment option?
For PayPal Credit to show as a payment option, you will need to ensure that the items in your basket are eligible for PayPal Credit and that you have a minimum spend of £99 within your basket.
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?
Just return your purchase as normal and the money will be refunded to your PayPal Credit account.
• Assumed credit limit £1,200
• Representative 21.9% APR (variable)
• Purchase rate 21.9% p.a. (variable)
If you wish to know more, please have a look at PayPal Credit's own FAQ page, here, or call the PayPal Credit Customer Service team on
0800 368 7155
Their lines are open every day from 8am to 6:30pm (GMT).