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It is important that you think about whether you can afford the monthly repayment agreed for any instalment offer. If you already have PayPal Credit, you can take advantage of these offers without having to reapply as long as you have enough available credit limit. Instalment offers will always have an interest rate lower than the standard variable rate. These instalment offers allow you to choose a set monthly repayment over a fixed period to help spread the cost of larger purchases in a more manageable way. With selected merchants, when you check out with PayPal Credit, you'll be shown a selection of instalment offers which enable you to spread the cost of your purchase across a number of repayments.
