Customers come first.

At PayPal, we keep our customers top of mind in everything we do. We want to earn the trust of both consumers and businesses using our services every day.

Responsible lending.

Our experience offering regulated and unregulated credit products worldwide has shaped our responsible lending practices for all our offerings.

Clarity and support.

We aim to give clarity and support to all our customers, so that at application and throughout the product lifecycle, they have the information they need to make informed choices.

Security and protection.

All transactions are backed by PayPal security and customers’ full financial details are never shared with sellers.

How we approve PayPal Credit and Pay in 3 customers

As responsible lenders, we carefully evaluate your financial situation to ensure our products are suitable for you. This evaluation includes your application details, your history with PayPal, and, if necessary, additional data from credit bureaus to make informed decisions about whether the product is suitable for you at this time.

How we support those in financial difficulties

We aim to support customers facing financial challenges. If you anticipate payment issues or have financial concerns, please visit our Help Centre or contact us so we can speak to you and offer help.

Don't delay addressing payment concerns. PayPal has teamed up with PayPlan, a third-party organisation where you can access confidential friendly guidance and advice on the range of options available to you, completely free. They work with you to help you get back in control of your finances.

Alternatively, you can find free, independent support with money matters through:

The UK Government’s MoneyHelper service

StepChange

Learn more about our buy now, pay later options.

Pay in 3

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PayPal Credit

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Our guiding principles.

Keeping your best interests at heart.

Throughout our lending practices, we aim to provide clear information and steadfast support, to help you feel informed and in control.

This article includes tips, suggestions and general information. We recommend that you always do your own research and consider getting independent tax, financial and legal advice before making any important decision.