What is PayPal Credit?
PayPal Credit is a simple and flexible credit line that sits alongside your PayPal account. It is a paperless, cardless revolving credit limit.
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.
For more info and to help you with all the questions you have for PayPal about this payment type check out PayPal Credit Basics Help.
As long as you are a UK customer and have £99 worth of goods in your basket you will be eligible to apply for PayPal Credit.
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.
Purchase rate p.a (variable)
Representative APR (variable)
Assumed credit limit
credit is subject to application and status
How do I use PayPal Credit with soak.com?
It couldn't be easier!
You can apply for PayPal Credit directly from the checkout. Just select the PayPal Credit option on the payment page.
This will guide you to PayPal Credit's application page where you can start the process of applying for PayPal Credit.
The application should take no more than 10 minutes to complete and you will then be redirected back to soak.com to complete your transaction. All that is left to do is wait for your chosen products turn up!
Do you need to have a PayPal account?
Once you have chosen the PayPal Credit payment option, you will be directed to the PayPal website. It is a PayPal Credit requirement that you login to your PayPal account or create an account at that point.
Alternatively, you can easily sign up for PayPal here.
What do I do if I am unsuccessful in applying for PayPal Credit?
Unfortunately, we have no control over the success or failure of an application - this is entirely PayPal's decision. If you have been declined, PayPal will email you with information about 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.
I do not see PayPal Credit as a payment option?
Check that you are eligible by ensuring you have £99 worth of goods in your basket.
If you have checked that the minimum spend of £99 has been reached and you still have no option for PayPal Credit, please give us a call and we will help you out.
Can I make a phone order and apply for PayPal Credit?
For all the information you need about how PayPal Credit works for you from your PayPal Account check out PayPal Credit Basics Help.
What happens if I want to return the item I bought using my PayPal Credit? Returning your item is easy just follow our PayPal Credit Basics Help.
Just return as normal and we will refund the money to your PayPal Credit account. Once returned to your PayPal Credit account, the credit will be available to you as part of your limit for all your future PayPal Credit purchases, including future instalment offers with us.