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Buy now, pay later. We have finance options, including rental, to suit every budget.

At the heart of home life

Sometimes you need a little more flexibility to spread the cost of something special, to manage your monthly budget, or to keep things simple. Whatever the reason, having options at checkout can make all the difference.

With Klarna, PayPal Pay in 3, PayPal Credit and Hughes Rental, you can choose the payment method that suits you. Whether that’s breaking a payment into three, paying nothing upfront, or spreading the cost over time.

Take a moment to explore each option below, compare what works for you, and check what’s important to know before you choose.

Sometimes you need a little more flexibility to spread the cost of something special, to manage your monthly budget, or to keep things simple. Whatever the reason, having options at checkout can make all the difference.

With Klarna, PayPal Pay in 3, PayPal Credit and Hughes Rental, you can choose the payment method that suits you, whether that’s breaking a payment into three, paying nothing upfront, or spreading the cost over time.

Take a moment to explore each option below, compare what works for you, and check what’s important to know before you choose.

Paypal credit PayPal pay in 3 Klarna Rent with Hughes

Buy today & pay over time.

Enjoy 0% interest for 4 months on all purchases over £99 when you choose PayPal Credit. Terms and conditions apply. Subject to status.

PayPal Credit works like a credit card without the plastic. It’s a credit limit linked to your PayPal account that you can use for your online purchases.

ICE and Sudz
Vera Vision

0% interest every time.*

There’s no need to wait for a special promotion or limited-time offer. With PayPal Credit, any purchase of £99 or more automatically qualifies for 0% interest for 4 months.

It helps you spread the cost of those bigger purchases you need now, without paying anything extra.

*Subject to status

Representative Example

Representative

23.9% APR (variable)

Purchase Interest Rate

23.9% p.a (variable)

Assumed Credit Limit

£1,200

Representative Example

Representative

23.9% APR (variable)

Purchase Interest Rate

23.9% p.a (variable)

Assumed Credit Limit

£1,200

Why use PayPal credit?

Why use PayPal credit?

How to apply for PayPal Credit

1
With your product in your basket, go to the checkout.
2
Select PayPal Finance at checkout.
3
Complete the application form (this will take about 10 minutes). PayPal will run a credit check and, if approved, your new credit limit will be ready to use right away.
4
You can use the credit limit granted to pay for today's purchase and future purchases at thousands of online stores that accept PayPal, up to your credit limit.

How to apply for PayPal Credit

1
With your product in your basket, go to the checkout.
2
Select PayPal Finance at checkout.
3
Complete the application form (this will take about 10 minutes). PayPal will run a credit check and, if approved, your new credit limit will be ready to use right away.
4
You can use the credit limit granted to pay for today's purchase and future purchases at thousands of online stores that accept PayPal, up to your credit limit.

What to know:

  • Any remaining balance after the 4-month promotional period will revert to PayPal Credit’s standard rate of 23.9% APR (variable).
  • You must make at least the minimum monthly payment.
  • Your actual credit limit and rate may vary depending on your circumstances.
  • PayPal Credit is a regulated credit product, subject to affordability checks and financial status.
Roasty Rose

What to know:

  • Any remaining balance after the 4-month promotional period will revert to PayPal Credit’s standard rate of 23.9% APR (variable).
  • You must make at least the minimum monthly payment.
  • Your actual credit limit and rate may vary depending on your circumstances.
  • PayPal Credit is a regulated credit product, subject to affordability checks and financial status.

To learn more about PayPal Credit, click here.

To learn more about PayPal Credit, click here

FAQs

Existing PayPal credit customers

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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 the instalment offer of your choice and checkout with PayPal Credit.

What if I don't have a PayPal account?

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If you don’t have a PayPal account, you will 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. The first stage of the PayPal Credit application process will ask you to sign into your PayPal account or offer you the opportunity to sign up for one. Once you’ve signed up for a PayPal account, you can begin the application for PayPal Credit.

What happens if my item is returned?

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You can return the goods to receive the refund, if eligible, direct to your PayPal Credit account. The refund will be displayed in the amount you paid in GBP.

Why have I been declined?

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PayPal will email you with more information about why your application for PayPal Credit was not successful. If you apply during checkout and get declined for PayPal Credit, you can still use PayPal to check out securely with your debit or credit card. If you want to re-apply, you will be able to 35 days after your last application.

I don't see PayPal Credit as a payment option?

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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.
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Pay in 3 interest-free payments

Need a little flexibility at checkout? PayPal Pay in 3 lets you divide your purchase into three equal payments, with the first paid today and the rest automatically collected each month. There’s no interest, no setup fees, and no surprises. Just a simple way to spread the cost when it suits you.

Percolatte

Example of a £75 purchase

1
Pay £25 today
2
£25 automatically taken next month
3
£25 automatically in 2 months
Pay in 3 is an unregulated credit agreement, so you will have fewer protections than under a regulated credit agreement. Consider if the purchase is affordable and how you will make repayments. Missing payments may make other borrowing more difficult or expensive. See PayPal’s Spend Smarter Guide. PayPal terms and conditions apply.
Pay in 3 is an unregulated credit agreement, so you will have fewer protections than under a regulated credit agreement. Consider if the purchase is affordable and how you will make repayments. Missing payments may make other borrowing more difficult or expensive. See PayPal’s Spend Smarter Guide. PayPal terms and conditions apply.

Why pay in 3?

Why pay in 3?

No interest or set-up fees

You’ll never pay more than the purchase price. PayPal Pay in 3 is completely interest-free, with no sign-up or hidden fees, as long as you make your payments on time.

Get a decision in seconds

When you choose Pay in 3 at checkout, you’ll get a quick decision with no long forms. Most customers find out instantly whether they’re approved.

Available for eligible baskets between £20 and £3,000*

Whether you’re making a small purchase or something more significant, Pay in 3 can be used on a wide range of orders.

*Subject to status

Fully integrated with your PayPal account

Everything is managed from the PayPal Wallet you already use. You can track payments, see due dates and manage your plan with ease, all in one place.

How to apply for PayPal Pay in 3

How to apply for PayPal Pay in 3

1
With your product in your basket, go to the checkout.
2
Select PayPal at checkout.
3
Choose "Pay in 3" from the available payment options.
4
Complete the application and get an instant decision.
5
Make your first payment, the next two will be made automatically on the same date over the next two months. .
1
With your product in your basket, go to the checkout.
2
Select PayPal at checkout.
3
Choose "Pay in 3" from the available payment options.
4
Complete the application and get an instant decision.
5
Make your first payment, the next two will be made automatically on the same date over the next two months. .

FAQs

What is PayPal Pay in 3?

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PayPal Pay in 3 is an interest-free loan that lets you split your basket into 3 payments, with the first due at time of purchase and subsequent payments due every month on the same date. It’s a great way to spread the cost of larger items or to cover emergencies, and is a helpful tool to manage your budget more effectively. Pay in 3 is an unregulated credit agreement, so you will have fewer protections under this agreement than you would under a regulated credit agreement. Carefully consider whether the purchase is affordable and how you will make the repayments. Be aware of the possible impact of using Pay in 3 and of missing payments, including making other borrowing more difficult or more expensive.

Can PayPal Pay in 3 ever impact my credit score?

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When applying for a PayPal Pay in 3, PayPal may conduct a “soft” credit check if they need more information to make a decision. “Soft” credit checks are not visible to others, so have no impact on your credit file. However, PayPal do share some data on your repayment history with Transunion. Although it does not impact your credit score, this data will be visible to other companies and may impact your ability to obtain credit from other lenders and the cost of accessing it. More information is available in PayPal's Pay in 3 Terms & Conditions..

How long will my PayPal Pay in 3 plan last?

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Your plan will last 2 months in total. The first payment will be due at the time of purchase, followed by 2 further payments due each month after that.

What information do I need to apply for PayPal Pay in 3?

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To apply for PayPal Pay in 3, you’ll need to provide your:

Title
Phone number
Address
Date of birth
Payment details

How is my application for PayPal Pay in 3 assessed?

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PayPal's decision making process is automated. They assess your financial position using a combination of the information you provided within your application, and information about your usage and history with PayPal to decide whether PayPal Pay in 3 is suitable for you at this time. They may also run a “soft” credit check with an external credit reference agency when you apply if they need more information to make a decision. This search will only be visible to you and will not affect your credit score.

Are there any fees associated with PayPal Pay in 3?

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There are no fees for choosing to pay with PayPal Pay in 3.

Have more questions?

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Find the answers you’re looking for in the Pay in 3 FAQ.. For full product terms, check PayPal's T&C's page..
View more...

Pay later in 30 days with Klarna

No upfront payments, no interest, and no fees when you pay on time.
Make your payment in full 30 days after your purchase is shipped.

Pay in 3 with Klarna

No interest. No fees when you pay on time. Three equal payments.
We'll take the first installment when we dispatch your item and then the remaining two will be automatically collected in 30 and 60 days. Klarna will send you an email to keep you informed.

Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit.

18+, UK residents only. Subject to status. Late fees may apply.

T&Cs apply.

0% Finance

Spread the cost of your purchase into equal monthly payments with 0% interest. Financing is a promotional plan on the Klarna Account.

You will be asked to provide some basic details, followed by details to check your eligibility.

If you’re approved, your payment plan will be created, and your order with Hughes will be automatically placed. It’s a short application and you won’t have to leave our website.

If you’re approved Klarna will create an account for you and your order will be placed.

Every time you shop with Financing after that, you only need to agree to the purchase and won’t need to sign up again. 

The order amount will be added to your Klarna Account as additional promotional plans. You can always monitor the payments due in the Klarna app.

21.9% Financing

Select one of our Klarna financing options at checkout to split your payment with Klarna over time. You will be asked to provide some basic details, followed by details to check your eligibility. If you’re approved, your payment plan will be created, and your order with Hughes will be automatically placed. It’s a short application and you won’t have to leave our website.

Representative example:
Representative APR (variable) 21.9% APR
Assumed credit limit of £1,200
Purchase rate of 21.9% p.a.

If you’re approved Klarna will create an account for you and your order will be placed. Every time you shop with Financing after that, you only need to agree to the purchase and won’t need to sign up again. The order amount will be added to your Klarna Account as additional promotional plans. You can always monitor the payments due in the Klarna app.

Pay later in 30 days with Klarna

No upfront payments, no interest, and no fees when you pay on time.
Make your payment in full 30 days after your purchase is shipped.

Pay in 3 with Klarna

No interest. No fees when you pay on time. Three equal payments.
We'll take the first installment when we dispatch your item and then the remaining two will be automatically collected in 30 and 60 days. Klarna will send you an email to keep you informed.

Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit.

18+, UK residents only. Subject to status. Late fees may apply.

T&Cs apply.

0% Finance

Spread the cost of your purchase into equal monthly payments with 0% interest. Financing is a promotional plan on the Klarna Account.

You will be asked to provide some basic details, followed by details to check your eligibility.

If you’re approved, your payment plan will be created, and your order with Hughes will be automatically placed. It’s a short application and you won’t have to leave our website.

If you’re approved Klarna will create an account for you and your order will be placed.

Every time you shop with Financing after that, you only need to agree to the purchase and won’t need to sign up again. 

The order amount will be added to your Klarna Account as additional promotional plans. You can always monitor the payments due in the Klarna app.

21.9% Financing

Select one of our Klarna financing options at checkout to split your payment with Klarna over time. You will be asked to provide some basic details, followed by details to check your eligibility. If you’re approved, your payment plan will be created, and your order with Hughes will be automatically placed. It’s a short application and you won’t have to leave our website.

Representative example:
Representative APR (variable) 21.9% APR
Assumed credit limit of £1,200
Purchase rate of 21.9% p.a.

If you’re approved Klarna will create an account for you and your order will be placed. Every time you shop with Financing after that, you only need to agree to the purchase and won’t need to sign up again. The order amount will be added to your Klarna Account as additional promotional plans. You can always monitor the payments due in the Klarna app.

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