Whether you are looking to spread the cost over a fixed period or can't wait until that all-important end-of-year bonus comes through, many of you have asked about finance options on purchases.
We are looking into finance options to be built into the site. However, in the meantime, PayPal has come to the rescue!
PayPal is now offering all of their account holders the chance to apply for one of two pay-later options:
Pay in 3 - Eligible UK buyers can pay in three interest-free payments for purchases of £30 – £2,000.
PayPal Credit - Eligible UK buyers receive a revolving line of credit that they can use to pay over time. PayPal Credit offers either 0% interest for 4 months on purchases over £99 or a merchant-specific Installment offer. For the 0% interest for 4 months offer, any remaining balance due after the promotional period or any transactions under £99 are charged interest at the standard variable rate. Terms and conditions apply.
How to use Finance with PayPal - Pay Later
1 - Create a Vector-Air account: Click Here
2 - Create a PayPal account: Click Here
3 - Apply For PayPal Credit: Click Here
4 - Head over to our website and add the items you want to your cart
5 - Once ready to purchase, head to your cart and select "Checkout"
6 - Continue through the checkout system until you can choose your payment type, select PayPal
7 - Once the PayPal payment portal opens, log in and then select your Pay Later choice. For Pay-in-3 you will get a decision on approval in a few seconds.
Troubleshooting & Help
What Is PayPal Credit?
PayPal Credit is like a credit card, without the plastic. It's a credit limit that's attached to your PayPal account which you can use for your online purchases.
How do I apply?
Applying for PayPal Credit is easy. For PayPal 0% for 4 months Offer, just click on the PayPal Credit button on our checkout page. Simply complete the short application form and, if approved and once you accept the Credit Agreement, you'll have a credit limit linked to your PayPal account almost straight away. For PayPal Instalments, just click on Pay By Finance on our checkout page. A selection of instalment offers will be displayed, enabling you to calculate spreading the cost of your purchase across several payments. Click on the PayPal Credit button within the calculator. The application form takes minutes to complete. PayPal will then run a credit check and, if approved, you'll have a credit limit linked to your PayPal account as soon as you accept your Credit Agreement.
Do I need to reapply if I already have PayPal credit?
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 limits. Just select one of the available instalment offers and check out with PayPal Credit.
Do I need to have a PayPal account?
Yes, however, if you don't have a PayPal account, you can create one as part of the PayPal Credit application. Signing up for a PayPal account is free and easy; all you need to do is provide your email address, create a password and accept PayPal's User Agreement.
I do not see PayPal credit as a payment option.
For PayPal Credit to show as a payment option, you will need to ensure that the items in your basket are eligible for PayPal Credit and that you have a minimum spend of £99 within your basket. We do not offer PayPal Credit on our Pre-Owned collection. Interest-Free Credit cannot be used in conjunction with any discount, promotional codes or cashback websites unless specified otherwise.
What do I do if I am unsuccessful in applying for PayPal credit?
If you have been declined for PayPal Credit, PayPal will send you more information about why your application was unsuccessful.
What happens if I want to return the item I bought using my PayPal credit?
Providing your purchase meets the returns criteria, just return as normal and the money will be refunded to your PayPal Credit account.
What is the cost of PayPal credit outside of instalment offers?
The Representative Example below shows the typical costs of using a PayPal Credit limit, not including instalments or other offers.
Representative Example:
Purchase rate 21.9% p.a. (variable)
Representative 21.9% APR (variable)
Assumed Credit Limit £1,200
For more information, visit PayPal Credit's FAQ page.
Finance provided by PayPal Credit, Terms and Conditions apply. Credit is subject to status. UK residents only. PayPal Credit is a trading name of PayPal (Europe) S.à r.l. et Cie, S.C.A., 22-24 Boulevard Royal L-2449, Luxembourg.
What happens if credit options do not show up
The main reason the credit option does not appear is that PayPal's internal checks have failed. This means PayPal will not offer you finance based on your previous spending, or if you have too many lines of credit open already. Unfortunately at this point, there is nothing we can do. You must approach PayPal and ask for a resolution.
The secondary reason these may not work is due to your location. If you are outside of England, PayPal Credit is not always available. This also includes if you are using a VPN; PayPal denies credit on accounts where it cannot verify your address, a VPN is a great thing to use as it scatters your digital address, however as PayPal uses your digital address for checks, if a VPN is used on our site, PayPal cannot confirm your location and may reject your credit. If you are using a VPN, disable or pause it and refresh the page (you may need to clear cookies) and try again.
Terms & Process
Please note that we are in no way affiliated with or responsible for PayPal accounts, the payment options they provide, or any charges that your account may incur as a result of missed payments. We are only the vendor of the goods and do not see your payment choices. Like a credit card from your bank, PayPal pays us, and you then reimburse PayPal.
*Please see PayPal website for Terms and Conditions for Pay-In-3 or PayPal Credit before proceeding. We do not accept responsibility and reserve the right to cancel orders at any time.
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