Buy With Finance

PayPal Credit offers a convenient way to divide the cost of your purchase into 6 or 12 monthly installments, without incurring any monthly interest charges for the duration of the offer. A minimum spending threshold of £99 is required.

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How PayPal Credit Functions for Future Purchases:

If you are granted a credit limit with PayPal Credit and use it for future purchases from different retailers, the Annual Percentage Rate (APR) for those transactions will not exceed 23.9%, and it might even be lower. The representative example below illustrates the typical payment scenario:

Representative Example: Assumed credit limit: £1200, purchase rate 23.9% p.a. (variable), representative 23.9% APR (variable).

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The Underfloor Megastore acts as an intermediary and provides financing options from a limited number of financial providers. PayPal Credit operates under the name of PayPal (Europe) S.à.r.l. et Cie, S.C.A., located at 22-24 Boulevard Royal L-2449, Luxembourg.

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For more information on the following topics, please consult the PayPal Credit FAQ:

1. Installment offers
2. Credit limits
3. Eligibility
4. Late payment fees
5. Annual Percentage Rates (APR)

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The process is simple:

1. Add items to your shopping cart and proceed to payment.

2. During checkout, select the "Pay on finance" option.

3. Complete a straightforward application to receive an instant decision.

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What Is PayPal Credit?

PayPal Credit functions like an online credit card, granting you a credit limit that can be utilized for both current and future purchases.

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PayPal Credit provides customers access to various installment and purchase offers.

All eligible purchases from The Underfloor Heating Store can take advantage of installment offers, granting access to a reduced rate for the installment period. Any remaining balance after this period is subject to PayPal Credit's standard interest rate, which is currently 23.9% p.a. (variable).

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If approved, you can access PayPal Credit through your PayPal account to manage payments, check your balance, and view monthly statements online.

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There's no lengthy application process; simply answer a few quick questions, review and accept the terms, and receive a decision within seconds.

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FAQs:

1. Do I need a PayPal account to use PayPal Credit?

Yes, after selecting PayPal Credit as your payment method during checkout, you will be redirected to the PayPal website. You'll need to log in to an existing account or sign up for a new one to be eligible for PayPal Credit.

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2. What if my PayPal Credit application is declined?

Unfortunately, we cannot influence the approval or rejection of applications, as your credit eligibility is determined by PayPal. If your application is declined, PayPal will provide reasons for the decision.

Don't worry, if you're not approved for PayPal Credit, you can still securely check out using PayPal with your bank account, debit card, or credit card.

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3. Can I place a phone order and apply for PayPal Credit?

PayPal Credit is exclusively available for online sales through our website. We are unable to accept PayPal Credit payments for phone orders.

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5. What happens if I want to return an item purchased with PayPal Credit?

Orders made using PayPal Credit can be returned following our standard return policy. Refunds will be credited to your PayPal Credit account, becoming part of your credit limit for future PayPal Credit purchases, including future installment offers with us.