I just got an email from Paypal offering 0% interest as stated below. If your buying something over the amounts below it may help with the payments. It doesn't work on the ebay app yet but I'm sure that will come. I don't know if it's account specific or not but according to the email you choose your terms at checkout. Hope this helps someone.
Nothing beats picking up that hidden gem you just can’t live without. And with PayPal Credit’s new, exclusive offers you can pay for your eBay buys over time in 0% interest instalments. All you need to do is apply at the checkout. So it’s even easier to pay for that amazing find.
Pay over 6-12 months on a basket more than £99 Pay over 18-24 months on a basket more than £199*
Already have PayPal Credit? All you need to do is select it at checkout and choose the instalment plan you want.
Latest comments (64)
RuudBullit
1 Oct 17#53
I'm not really sure why people show so much hate towards credit. If used correctly, things like this and interest free credit card transfers can be a really good way to spread the cost of a large purchase. Providing people can comfortably afford to pay off the amount before interest kicks in, then there should be no issue. Why people choose to join the discussion and criticise other people's buying habits is beyond me.
tomwenn to RuudBullit
2 Oct 17#55
Because some people have seen the damage that debt can do, and don't wish it on other people. Some people are altruistic, and don't just care about themselves.
RuudBullit to tomwenn
2 Oct 17#59
Yes, but this is a problem with the person, not the debt. Whilst some credit suppliers do have disgusting practices, people also need to take responsibility for their own borrowing/spending habits. Credit can be used for your benefit if used correctly and sensibly. Credit cards, for instance, offer really good protection when making purchases, so if, say for instance, an airline went bust before you had flown, getting your money back would be relatively easy and stress free.
tomwenn to RuudBullit
2 Oct 17#60
Well there is a debt problem in this country. I don't care about the semantics of it. Debt should be avoided where possible. There are a lot of people who aren't very intelligent in this country, and they owe a lot of money. There are also a lot of people who are victims of circumstance, and live a debt ridden life, but then lose their job, then their car, then their home. I don't understand why you have a problem with people being warned about potential debt problems. You could just not comment, there is no need to be bothered on other people's behalf.
RuudBullit to tomwenn
2 Oct 17#62
You could also just not comment, and not be bothered on other people's behalf too. People are here to get value for money, or find out about good deals, offers, perks and tricks that could save them money, or help them along a little bit. Credit can often do this. Most people don't come here for debt counselling. With Christmas coming up, this offer from paypal could help make it that little bit better for someone. And to say, 'if you can't afford it, don't buy it' is a huge generalisation. Should we all just rent houses forever?
tomwenn to RuudBullit
3 Oct 17#64
You can't buy a house using Paypal, don't be so pedantic. I care about my fellow human. If that bothers you, good.
tomwenn
29 Sep 17#14
If you can't afford it, don't buy it. PayPal aren't a charity. If they couldn't make money out of you, they wouldn't lend you money for free.
We owe £1,300,000,000,000 in private debt. Don't add to it.
gr1340 to tomwenn
29 Sep 17#15
This makes no sense. I have got the money but surely it’s better to pay it over a few months at 0% and earn a little interest on the money.
mtuk1 to tomwenn
30 Sep 17#20
£1.8tn. Not 1.3
tomwenn to mtuk1
2 Oct 17#56
BoE says £1.5t, but £1.3t made up of Mortgages.
Krizzo3 to mtuk1
2 Oct 17#63
As if we are going to ever pay it back
Springerbhoy to tomwenn
30 Sep 17#30
What's the interest payments on that pa? :smile:
7iain7 to tomwenn
30 Sep 17#31
Correction £1,300,000,000,199 I’ve just bought a TV using deal. Sorry
RuudBullit to tomwenn
1 Oct 17#52
I assume you saved up and bought your house cash then?
ssc1
2 Oct 17#61
avoid. sell something use that money to buy all from paypal. its living within your means.
purplelily
29 Sep 17#3
So no credit checks?
CampGareth to purplelily
29 Sep 17#8
They definitely credit check.
Lado.Cekurisvili to CampGareth
30 Sep 17#45
Just to make it clear - they do if you hadn't applied for the Paypal credit before. In my case, I applied last year and repaid it in full, so this time there was no credit check - I just used my repaid credit.
mtuk1 to purplelily
30 Sep 17#19
Of course there is. It’s err a credit based product.
purplelily to mtuk1
30 Sep 17#40
There is err no credit check on their buy now pay after delivery option
mtuk1 to purplelily
30 Sep 17#44
That’s err a completely different err option. Nothing whatsoever to do with anything we’re talking about.
purplelily to mtuk1
30 Sep 17#47
Both are forms of credit provided by Paypal for use when making purchases from eBay actually
mtuk1 to purplelily
30 Sep 17#48
If that’s the case, then why have I never been credit checked for using buy now pay after delivery?
purplelily to mtuk1
1 Oct 17#51
You haven't, hence I was asking the question if the same applied when using this credit product.
mtuk1 to purplelily
1 Oct 17#54
Which proves my point, buy now, pay after delivery isn’t credit from PayPal. You said it was.
purplelily to mtuk1
2 Oct 17#58
Of course it is credit, which is defined as "the ability of a customer to obtain goods or services before payment, based on the trust that payment will be made in the future."
atulwassen to purplelily
30 Sep 17#49
They credit check you through call crefit and report yo both call credit and equifax.
AppStar
2 Oct 17#57
I applied for it a while ago but go rejected. Not sure why as I have a credit card with John Lewis. Their loss at the end of the day
Anon32
1 Oct 17#50
Account specific
j8ulia
29 Sep 17#11
not just eBay, I've bought from Brand alley and boots and they offer the 0% with paypal,
1616french to j8ulia
30 Sep 17#46
I wonder if it's any company that accepts PayPal where you can get the credit option?
Asad86
30 Sep 17#43
I used paypal credit to pay off my laptop and monitor at 0%. No issues with it at all. Anyone know if this account specific? Dont want to order something and find I cant use after the fact on ebay. Thanks
watchcam
30 Sep 17#35
I don't like credit (the credit checks) .. shame as would use it were it not for that just for the free credit and pay it off.
Lado.Cekurisvili to watchcam
30 Sep 17#42
There's no credit check if you have applied for the Paypal Credit before. It works sorta a credit card. You pay it back, and you can use it later.
Lado.Cekurisvili
30 Sep 17#26
The deal came in very timely - I was about to buy a laptop on ebay anyway, so it really helped. I took a 24 months interest free deal that is so manageable. Oh, another thing was that I have already had a credit on my account, so I didn't have to apply for it, so no credit check was done.
lexa34 to Lado.Cekurisvili
30 Sep 17#28
please expand on what you mean by "had a credit on my account?"
Lado.Cekurisvili to lexa34
30 Sep 17#41
Apologies if I was unclear. I bought a phone a year ago and paid with Paypal Credit (back then I also got an analogical interest-free deal). Once I paid it in full, they left a £550 credit limit hanging on my account and available at any moment. So now with this deal I've used a part of it without a need to apply for a credit again - therefor no credit check on my credit history. Hope it helps :smile:
Martoneuk
30 Sep 17#39
PayPal credit does state you can't use it for items listed under electrical on eBay, anybody find this?
richarddavies1
30 Sep 17#34
I signed up for this a few months ago when they were offering 4 months interest free. I bought a pram off ebay (using the app) for £700 and couldn't see where to select the credit payment method. The full amount came out of my bank all at once.. Be careful if you use the app if you don't have the full amount to hand
Triads to richarddavies1
30 Sep 17#38
Good point. It does say in the email that they can't do this offer on the app.
IMBLOODYSKINTAGAIN
30 Sep 17#36
Already got the 4m 0% but would like have this but link just sends me to my pp to log in and log in and just shows my account as normal. Nothing about this offer.
Triads to IMBLOODYSKINTAGAIN
30 Sep 17#37
You get the offer at checkout on ebay. hope that helps
kingmonkey69
30 Sep 17#32
Is there any way to tell if this offer is active on my account for ebay?...
Triads to kingmonkey69
30 Sep 17#33
According to the email I got it's available to everybody who uses ebay ("subject to status" aka credit check). You just apply at checkout
panddda
30 Sep 17#29
I've had this email too, considering using it for a new phone. Don't want to shell out a lot of cash upfront and 24 months at 0% of the handset price seems to be better value than taking a contract, plus I've already got a PP credit account so that's one less credit check on the file
The_IMF
30 Sep 17#27
Bit random question but does anyone know if you can buy from the Google store on this deal?
Preparing for the new pixel and spreading the cost a bit will hurt less :joy:
StatusRed
29 Sep 17#12
BE WARY - This will affect your credit rating.
cliosport65 to StatusRed
29 Sep 17#16
Obviously no one lends credit without affecting your credit file buddy.
sam_of_london to cliosport65
30 Sep 17#24
If you pay it back on time ,it does not . In fact it increases your rating. So never forget to pay in time
mtuk1 to StatusRed
30 Sep 17#21
How?
dabe1971 to mtuk1
30 Sep 17#25
Positively if you maintain your payments, negatively if you don’t. It’s just like any credit product, I don’t understand the hate. I’ve used PayPal Credit successfully for ages and they’ve just upped my credit limit too - yet they’ve not made a penny out of me in interest as I always settle before the 4 months is up. Don’t see any issues here
sola35
29 Sep 17#9
lets face it, paypals only your pal when they are making money off you which is always, tread carefully.
wilc to sola35
30 Sep 17#23
paypal not a charity to give u money or free service, privilege comes at a cost
Ripperoo
30 Sep 17#22
I despise bed spalling! :wink:
f3rgy15
30 Sep 17#18
This is a good deal! I'll use it if i'm buying something from ebay.
domosborne58
30 Sep 17#17
I've done this l. 24 months 0%. Don't see anything wrong
kevessex
29 Sep 17#10
I looking to buy a new bed and mattress on this offer , anyone with any good suggestions for a decent eBay bed company ?
sam_of_london to kevessex
29 Sep 17#13
IKEA or dreams
Aldnoah
29 Sep 17#7
Could really do with some more £1 FVFs right now :relaxed:
ocelot20
29 Sep 17#4
Am looking at getting a PS VR. I all ready have Paypal Credit. So if I was to get a PS VR from ebay I would have between 18-24 months to pay for it with no interest?
gr1340 to ocelot20
29 Sep 17#5
I think that is correct. I also have PayPal Credit which I occasionally use the 4 months 0% offer but this is pretty good. If I use the eBay website I can see the offer with payment breakdown for 0% up to 24 months.
sam_of_london to ocelot20
29 Sep 17#6
Not really . Depends on what interest rate they offer. Better apply for 36 months or similar interest free purchase credit card where you know everything you purchase will be interest free for 36 months.
rugbymike
29 Sep 17#2
I had only previously had the 90 days so thanks for the heads up
JB74
29 Sep 17#1
been around for a while now...... definately helps though :thumbsup:
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Opening post
Nothing beats picking up that hidden gem you just can’t live without. And with PayPal Credit’s new, exclusive offers you can pay for your eBay buys over time in 0% interest instalments. All you need to do is apply at the checkout. So it’s even easier to pay for that amazing find.
Pay over 6-12 months on a basket more than £99
Pay over 18-24 months on a basket more than £199*
Already have PayPal Credit? All you need to do is select it at checkout and choose the instalment plan you want.
Latest comments (64)
Whilst some credit suppliers do have disgusting practices, people also need to take responsibility for their own borrowing/spending habits. Credit can be used for your benefit if used correctly and sensibly.
Credit cards, for instance, offer really good protection when making purchases, so if, say for instance, an airline went bust before you had flown, getting your money back would be relatively easy and stress free.
And to say, 'if you can't afford it, don't buy it' is a huge generalisation. Should we all just rent houses forever?
We owe £1,300,000,000,000 in private debt. Don't add to it.
I have got the money but surely it’s better to pay it over a few months at 0% and earn a little interest on the money.
"the ability of a customer to obtain goods or services before payment, based on the trust that payment will be made in the future."
Preparing for the new pixel and spreading the cost a bit will hurt less :joy: