Unfortunately, this deal is no longer available
0% Interest for 12 Months on £99+ purchases with Paypal credit @ eBay
3217° Expired

0% Interest for 12 Months on £99+ purchases with Paypal credit @ eBay

Deal editor239
Deal editor
Posted 27th May

This deal is expired. Here are some options that might interest you:

New 0% interest offer for 12 months Paypal credit that goes live at around 10am today 27/05 (may take a bit longer for site to update), applicable on £99+ purchases at eBay. Runs until 15th June. To keep the 0% offer you need to ensure you keep up with minimum payments and stay within your credit limit.

*Subject to status. Terms and conditions apply. 0% interest for 12 months with a minimum spend of £99 or more, available for eligible purchases from 10:00am BST 27 May 2020 until 11:59 BST 15 June 2020. After this time, the offer reverts back to the standard 0% interest for 4 months for all purchases of £99 or more. UK residents only. To maintain an offer, you must keep up your minimum payments and stay within your
credit limit. Figures may change if you modify your order. Available on baskets of £99+.


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What is PayPal credit?
Think of it as credit without a card. If approved, you'll get a credit line in your Paypal account that can be used straight away. This could be to access monthly instalment offers, or just to use as one of your payment options for eBay purchases.

What happens if I have more than one item in my basket?
If you are using an instalment or other promotional offer, this offer applies to the total purchase amount including postage and packaging so you can have as many items in your basket as you like. If the seller ships some of your items before others, Paypal credit may split your instalment or promotional offer on a per-item basis. The purchase amount and monthly instalment amount may change if you or the seller amend your order, such as adding additional delivery charges or applicable taxes.

How do I make payments?
You can make a one-off repayment from your bank account, debit card or PayPal balance at any time, either online or by calling PayPal Customer Service. Alternatively, you can set up monthly Direct Debit payments from a bank account you've linked to your PayPal account. To set up Direct Debit payments, log in to your PayPal account and follow the instructions on the Make a Payment page. For more information, call
PayPal Credit Customer Service on 0800 368 7155.


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Top comments
Excellent.
I can finally afford that used iPhone 4 I’ve been watching for the past week, in ‘acceptable’ condition.

Before you say I’m getting ripped off, it comes with a screen protector.

Thanks OP
deleted249669927/05/2020 07:49

A wise man once said "If you die in dept.....you've won!"


Wise man couldn't spell 'debt', wasn't married, and had no kids!
to those saying “if you can’t afford it, don’t buy it” ignore them! If you want it.. you go buy it
martin.moses27/05/2020 05:31

Excellent. I can finally afford that used iPhone 4 I’ve been watching for t …Excellent. I can finally afford that used iPhone 4 I’ve been watching for the past week, in ‘acceptable’ condition.Before you say I’m getting ripped off, it comes with a screen protector. Thanks OP


You're getting ripped off, I can get you an iPhone 3G in used grade D condition for £349
Absolute bargain, I've just bought 5, cheers op
239 Comments
Excellent.
I can finally afford that used iPhone 4 I’ve been watching for the past week, in ‘acceptable’ condition.

Before you say I’m getting ripped off, it comes with a screen protector.

Thanks OP
martin.moses27/05/2020 05:31

Excellent. I can finally afford that used iPhone 4 I’ve been watching for t …Excellent. I can finally afford that used iPhone 4 I’ve been watching for the past week, in ‘acceptable’ condition.Before you say I’m getting ripped off, it comes with a screen protector. Thanks OP


costs less than £99 ?
martin.moses27/05/2020 05:31

Excellent. I can finally afford that used iPhone 4 I’ve been watching for t …Excellent. I can finally afford that used iPhone 4 I’ve been watching for the past week, in ‘acceptable’ condition.Before you say I’m getting ripped off, it comes with a screen protector. Thanks OP


You're getting ripped off, I can get you an iPhone 3G in used grade D condition for £349
Absolute bargain, I've just bought 5, cheers op
to those saying “if you can’t afford it, don’t buy it” ignore them! If you want it.. you go buy it
Good deal especially in the current climate if you don’t want to put out a big chunk in one go, but have the cash to do it.
Avatar
deleted2496699
pork1227/05/2020 07:33

to those saying “if you can’t afford it, don’t buy it” ignore them! If you …to those saying “if you can’t afford it, don’t buy it” ignore them! If you want it.. you go buy it


A wise man once said "If you die in dept.....you've won!"
deleted249669927/05/2020 07:49

A wise man once said "If you die in dept.....you've won!"


Not if your next of kin has to pickup the debt
deleted249669927/05/2020 07:49

A wise man once said "If you die in dept.....you've won!"


Wise man couldn't spell 'debt', wasn't married, and had no kids!
Time to go shopping for a quest!
Do you think it will work to pay for other goods outside ebay via this offer?
Thanks for sharing
Sorry if it’s a stupid question.m but, What happens when the interest free offer bit runs out? Do they lump all the interest onto the overall PayPal credit balance?
jaxxbizkit127/05/2020 08:35

Sorry if it’s a stupid question.m but, What happens when the interest free …Sorry if it’s a stupid question.m but, What happens when the interest free offer bit runs out? Do they lump all the interest onto the overall PayPal credit balance?


It’s normally spilt over 12 payments.
jaxxbizkit127/05/2020 08:35

Sorry if it’s a stupid question.m but, What happens when the interest free …Sorry if it’s a stupid question.m but, What happens when the interest free offer bit runs out? Do they lump all the interest onto the overall PayPal credit balance?


Not a stupid question at all, as the details you need aren't clear in this link however the following exert from the Paypal site should help although it refers to the standard 4 month, it will be applicable to the 12 month and any balance left to be paid will have interest applied to it.

* The minimum payment due still applies to 0% offer balances. Any remaining balance due after the 4-month promotional period or any transactions under £99 will be charged interest at 19.9% p.a. (variable). In order to maintain the 0% offer, you need to keep up monthly repayments and stay within your credit limit. Credit subject to status. Terms and conditions apply. UK residents only. PayPal Credit is trading name of PayPal (Europe) S.à r.l. et Cie, S.C.A. Société en Commandite par Actions Registered Office: 22-24 Boulevard Royal L-2449, Luxembourg RCS Luxembourg B 118 349.
Always very helpful @Chanchi32 Thanks. Right on time.
Don't forget you cant transfer the balance either. So.if the interest free runs out and you have an interest free credit card and want to move it you cant.
The 'interest free' won't run out if you take the 12 months offer - it splits it into total amount/12 and you pay that amount each month.
scallygally27/05/2020 08:08

Not if your next of kin has to pickup the debt


Debt isn't passed to next of kin....they can only go after debt if person who died left an estate.......
Avatar
deleted2496699
McChuk27/05/2020 09:10

Debt isn't passed to next of kin....they can only go after debt if person …Debt isn't passed to next of kin....they can only go after debt if person who died left an estate.......


Agreed only time a family member would be pursued is if they were a guarantee on the loan, personal dept is exactly that.
Nice had my eye on a UHD Blu Ray player off Curry's. This will do for me
Has anyone else been declined for this before? I’m somewhat convinced it’s aimed at people who shouldn’t be using it.

I’ve tried before on a £500 purchase, couldn’t get it but I didn’t really need it so paid outright. I work, decent wage, >900 credit rating etc etc no reason why I shouldn’t get credit.

My friend, minimum wage, part time, really bad with money. Gets PayPal credit all the time.

Just wondered if this was just my experience?
I bought a 2020 macbook air when they had the 4month no interest - from edustore - good deal
RIP_RRP27/05/2020 09:12

Has anyone else been declined for this before? I’m somewhat convinced it’s …Has anyone else been declined for this before? I’m somewhat convinced it’s aimed at people who shouldn’t be using it.I’ve tried before on a £500 purchase, couldn’t get it but I didn’t really need it so paid outright. I work, decent wage, >900 credit rating etc etc no reason why I shouldn’t get credit.My friend, minimum wage, part time, really bad with money. Gets PayPal credit all the time.Just wondered if this was just my experience?


I was declined for no apparent reason last year (i have perfect credit) and then accepted a few weeks ago when i tried again when purchasing from edustore
Avatar
deleted2496699
RIP_RRP27/05/2020 09:12

Has anyone else been declined for this before? I’m somewhat convinced it’s …Has anyone else been declined for this before? I’m somewhat convinced it’s aimed at people who shouldn’t be using it.I’ve tried before on a £500 purchase, couldn’t get it but I didn’t really need it so paid outright. I work, decent wage, >900 credit rating etc etc no reason why I shouldn’t get credit.My friend, minimum wage, part time, really bad with money. Gets PayPal credit all the time.Just wondered if this was just my experience?


Have you moved house recently? Sometimes that can affect credit searches.
I've personally never used PayPal so I don't know for sure but my wife works in a bank.
I have used the 4 month plans a few times. 12 months sounds good, heat added.
Hopefully an ebay code comes in the next 2 weeks
RIP_RRP27/05/2020 09:12

Has anyone else been declined for this before? I’m somewhat convinced it’s …Has anyone else been declined for this before? I’m somewhat convinced it’s aimed at people who shouldn’t be using it.I’ve tried before on a £500 purchase, couldn’t get it but I didn’t really need it so paid outright. I work, decent wage, >900 credit rating etc etc no reason why I shouldn’t get credit.My friend, minimum wage, part time, really bad with money. Gets PayPal credit all the time.Just wondered if this was just my experience?



nornally you apply for it and it’s enabled on your account then you can use it when you need it

it’s not an application each time. So your friend could have got it with a great rating. And if he applied now may have not got it.

long as you have been in-house for so long and registered on electoral role that helps
Is this for first time customers of PayPay credit or previous customers?
googleboogle27/05/2020 09:21

nornally you apply for it and it’s enabled on your account then you can u …nornally you apply for it and it’s enabled on your account then you can use it when you need it it’s not an application each time. So your friend could have got it with a great rating. And if he applied now may have not got it.long as you have been in-house for so long and registered on electoral role that helps


I can’t apply for it until I go through to the purchase screen so I don’t get what you mean.

I don’t actually need it right now just wondered if anyone else had been declined for seemingly no reason. Saves me buying stuff I don’t need at least haha
RIP_RRP27/05/2020 09:12

Has anyone else been declined for this before? I’m somewhat convinced it’s …Has anyone else been declined for this before? I’m somewhat convinced it’s aimed at people who shouldn’t be using it.I’ve tried before on a £500 purchase, couldn’t get it but I didn’t really need it so paid outright. I work, decent wage, >900 credit rating etc etc no reason why I shouldn’t get credit.My friend, minimum wage, part time, really bad with money. Gets PayPal credit all the time.Just wondered if this was just my experience?


You do realise a score is completely irrelevant. Your score could be 999 and still get refused credit. Lenders look for a lot of things when making a decision. They don’t go well Jesus Christ this guy has 950 better give him what he wants. I’ve had a PayPal account with a credit I could access at any times for a very long time I’m certainly not one of the people you describe who shouldn’t be offered it.
thearbiter6527/05/2020 08:10

Wise man couldn't spell 'debt', wasn't married, and had no kids!


The wise man you see on a council bench having a smoke in the afternoon, certain he's the smart one.
thearbiter6527/05/2020 08:10

Wise man couldn't spell 'debt', wasn't married, and had no kids!

dipdipdo27/05/2020 09:25

You do realise a score is completely irrelevant. Your score could be 999 …You do realise a score is completely irrelevant. Your score could be 999 and still get refused credit. Lenders look for a lot of things when making a decision. They don’t go well Jesus Christ this guy has 950 better give him what he wants. I’ve had a PayPal account with a credit I could access at any times for a very long time I’m certainly not one of the people you describe who shouldn’t be offered it.



RIP_RRP27/05/2020 09:12

Has anyone else been declined for this before? I’m somewhat convinced it’s …Has anyone else been declined for this before? I’m somewhat convinced it’s aimed at people who shouldn’t be using it.I’ve tried before on a £500 purchase, couldn’t get it but I didn’t really need it so paid outright. I work, decent wage, >900 credit rating etc etc no reason why I shouldn’t get credit.My friend, minimum wage, part time, really bad with money. Gets PayPal credit all the time.Just wondered if this was just my experience?


They will lend to the people who might pay late and then get hit with default interest. Your good history makes you less profitable ( in this case) for a mortgage however, secured lending you would be more favoured. Its all about the ROI ALWAYS ! Not a score
dipdipdo27/05/2020 09:25

You do realise a score is completely irrelevant. Your score could be 999 …You do realise a score is completely irrelevant. Your score could be 999 and still get refused credit. Lenders look for a lot of things when making a decision. They don’t go well Jesus Christ this guy has 950 better give him what he wants. I’ve had a PayPal account with a credit I could access at any times for a very long time I’m certainly not one of the people you describe who shouldn’t be offered it.


At no point did I say the score is the deciding factor and you’re also wrong if you think the score is ‘completely irrelevant’.

‘One of the people’ I described was literally one person I know in real life. Used as an example of why I found it strange.
Avkaan27/05/2020 09:17

I was declined for no apparent reason last year (i have perfect credit) …I was declined for no apparent reason last year (i have perfect credit) and then accepted a few weeks ago when i tried again when purchasing from edustore


If you have a Paypal business account I'm pretty sure they don't allow you to get these 0% credit offers.
Edited by: "makkax1" 27th May
notavalidaddress27/05/2020 09:09

The 'interest free' won't run out if you take the 12 months offer - it …The 'interest free' won't run out if you take the 12 months offer - it splits it into total amount/12 and you pay that amount each month.


I used the 4 months offer, and it did not split the total amount into 4 payments. Each month paypal was taking minimum payment. I had to transfer it manually. Unless there is a setting for this that i missed?
barrad27/05/2020 09:38

I used the 4 months offer, and it did not split the total amount into 4 …I used the 4 months offer, and it did not split the total amount into 4 payments. Each month paypal was taking minimum payment. I had to transfer it manually. Unless there is a setting for this that i missed?


That is not how PayPal credit works, unless I am missing something also, you need to make the equal payments manually, although I think you can change the minimum payment amount to a higher amount so that amount is taken each month via the website.
Would this increase your crediting rating should you pay it back in full within the 12 months?
barrad27/05/2020 09:38

I used the 4 months offer, and it did not split the total amount into 4 …I used the 4 months offer, and it did not split the total amount into 4 payments. Each month paypal was taking minimum payment. I had to transfer it manually. Unless there is a setting for this that i missed?



I'm not taking about the 4 month offer here - I am talking about the 12 month offer.

Four month offer - just a minimum payment needed - any outstanding balance at the end of four months starts accruing interest.

Twelve month offer - total amount of purchase/12 is taken from your balance each month so after 12 months the purchase is paid off.

Hope this clarifies things.

oh, and one other things - if there is a code available on ebay for any additional discount then you cannot use the 12 month 0% offer - only the 4 month one.
Edited by: "notavalidaddress" 27th May
notavalidaddress27/05/2020 09:50

I'm not taking about the 4 month offer here - I am talking about the 12 …I'm not taking about the 4 month offer here - I am talking about the 12 month offer.Four month offer - just a minimum payment needed - any outstanding balance at the end of four months starts accruing interest.Twelve month offer - total amount of purchase/12 is taken from your balance each month so after 12 months the purchase is paid off.Hope this clarifies things.oh, and one other things - if there is a code available on ebay for any additional discount then you cannot use the 12 month 0% offer - only the 4 month one.


Works the same as the 4 month offer, that is paypals tactics that they hope you pay the minimum each month and not pay it off in the offer time so you pay interest on it. It is even worse when you have made transactions before taking up the promo offer as any payments you make are taken from any outstanding balances until that is payed off until it touches the promo balance.

It certainly does not pay 12 equal payments automatically, you have to make the payments manually unless you change the direct debit amount for each month.

Update: For some retailers there is a scheme with PayPal such as 12 months interest free and you make 12 equal payments. This is different to what payal offer such as the 4 and 12 months offer as it works differently. I remember getting 12 months interest free with dell and had to make 12 monthly payments.
Edited by: "mastermjr20041" 27th May
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