PayPal Credit

Paypal Credit

For UK customers, there’s now an easy way to treat yourself to get all the outdoor gear and equipment you can dream of using PayPal Credit. It’s a quick, straightforward process allowing you to spread the cost of your purchases over monthly instalments for purchases over £149.

Blacks Outdoor Retail Limited (t/a "Blacks") acts as a broker and offers finance from a restricted range of finance providers. 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.

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What Is PayPal Credit?

PayPal Credit is a simple and flexible credit line that sits alongside your PayPal account. It is a paperless, card-less 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

What are the terms for purchases from Blacks?

The instalment offers that will be available from PayPal Credit for the purchase of Blacks products are:

Spend on Blacks Products Monthly Instalments Interest Rate (per annum)
From £149 6 14.9% APR

How does PayPal Credit work for future purchases?

If you are approved for a credit limit with PayPal Credit you can use the credit limit to pay for your Blacks purchase, and for future purchases from Blacks and elsewhere, up to your credit limit. Blacks purchases currently qualify for a special interest rate of 14.9% when you repay in 6 monthly instalments. As shown in the representative example below, the typical cost if you make purchases elsewhere, is 17.9% APR variable. PayPal Credit sometimes makes special offers or promotions when the interest rate might be lower.

Representative Example

Purchase Rate p.a. Representative APR Assumed Credit Limit
17.9% (variable) 17.9% APR (variable) £1200

For information on the following topics;

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

Click into Paypal Credit Basics Help

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How do I use PayPal Credit?

It couldn’t be easier!

You can apply for PayPal Credit directly from your basket or via the checkout.

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 Blacks to complete your transaction. All that’s left to do is wait for the gear to turn up!!

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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 decline of an application – this is all 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 of a minimum spend of £149 on eligible for credit products.

If you have checked that the minimum spend 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?

Sorry, no.

The application for PayPal Credit can only be initiated from an online order.

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?

You can return your order to us via all the usual channels. Find out more information in our returns policy

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