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  • This product has a lifetime residential warranty.
  • This product is compatible with underfloor heating, allowing you to have a warm underfoot feel in the comfort of your own home. It is extremely important that you check with your underfloor heating system provider that this type of product is compatible. You will also need to ensure that at no point the system temperature allows the surface temperature of the flooring to exceed 27 Degrees Celsius, or you may experience warping, cracking, bowing or excess drying out of the product. It is also extremely important that the installation is separated by door bars in any areas over 30m2, otherwise a polymer adhesive may be advised. Before laying any product we recommend you consult a professional fitter.
  • This product is suitable for the bathroom area. However, we would strongly recommend that the joints are sealed with silicone if it is a flat laminate to prevent water damage to the click system of the boards, particularly around areas where water spillages maybe common i.e. the bath, sink and shower. Improper care, maintenance and cleaning of any product may not make it suitable for this area of the home. Equally if the area is subject to heavy water damage the product may be destroyed.

Hydro Guard - 8mm Water-Resistant Laminate - White Marble Tile Effect

Product Code: WTR016
  • £22.99 £58.16 Per Pack
Want it by Tuesday 5th December?
Order within 1 day, 15 hours, 31 minutes
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Easy Returns

Hydro Guard - 8mm Water resistant Laminate - White Marble Tile Effect

Product code WTR016
Species Marble
Finish Textured
Thickness 8 mm
Width 327 mm
Length 1292 mm
Edge Detail 4-Sided V-Groove
Pack Size 2.53 m2
Planks Per Pack 6
Durability Rating AC4 - Residential / Light Commercial use
Warranty Lifetime residential / 5 year commercial
Installation method CLIC It

Underfloor Heating

Suitable, Water & Electric

Effortlessly recreating the look of marble tiles, this Water resistant laminate will add a touch of class to your home. 

The Hydro Guard is a range of water resistant easy-clean, hardwearing, and comes with a lifetime warranty. Water resistant for 72 hours, this range is great for kitchens and busy rooms. The simple click fit system makes installation a breeze. Perfect for those DIY enthusiasts.

Each board is 8mm thick, 1292 mm long and 327 mm wide. With multiple ‘tiles’ on each plank, this laminate can be quickly installed. The AC4 rating ensures that this lcan handle a busy home. It is also suitable for light commercial use, such as bars and restaurants.

Thanks to upgrades from the manufacturer, our whole Hydro Guard range can now also be steam-cleaned, making keeping your flooring spotless even easier. 

Why buy Hydro Guard flooring? 

✅ Water resistant

✅ Easy to install 

✅ Lifetime residential warranty

✅ Safe for your home - hygienically sealed surface for antibacterial cleanliness 

Shop from your sofa and order your free samples today. 

As part of this floorings upgrade the click system has changedIt will no longer fit into previous floors purchased before March 2021.


Review Summary - 5 out of 5 based on 104 ratings.
Sort reviews by:

Love this & would love it in my living room

August 7, 2023 | Christine Kitis

Very nice I have ordered some for the bathroom

August 6, 2023 | Mark Turnbull

I loved the sample I received. It was a decent size and the colouring was right for my kitchen. It arrived quite quickly too. However I have decided to place an order elsewhere.

April 3, 2023 | Val Goszka

April 2, 2023 | SallyAnn Muffett

Looks really nice good quality

March 9, 2023 | Anonymous

Lovely looking tile but too light for the kitchen area.

March 6, 2023 | Ruth Adams

From the sample this looks like what I am looking for but until my kitchen is in I am going to wait to choose. Fast service from this company , I will check back when I am ready.

February 26, 2023 | Susan Murray

looks good

February 1, 2023 | James Johnson

I thought it’s a little bit different material. It’s just not for me.

January 15, 2023 | Natalia Obara

No marble in sample so don’t know what it actually looks like

January 15, 2023 | Gavin Davison

The sample I received looks to be good quality and well made. I like the textured finish and I'm sure the click together system will work well.
Overall looks to be exactly the type of flooring I need for my bathroom.
Will have to order more samples as this is a little to light in colour though.
Nice touch putting in a sample of appropriate underlay !

November 6, 2022 | Nick Fox Fox

Lovely colour

October 31, 2022 | Lynne Wyatt

I have ordered it.

October 30, 2022 | Maria Devlin

Nice finish & solid, secure lock system.

October 24, 2022 | Brian Hill

Received my samples promptly but haven’t made a decision on which to go for yet

October 24, 2022 | Karen Clarke

Yes I like it I'll be ringing to find out the price.

October 19, 2022 | Julie Wilson

Sample arrived virtually next day and will accompanying product and accessories info. The product seems ideal for what i want however i need to see a larger sample to get a better idea but certainly wouyld deal with this company as are effecient and competitive.

September 29, 2022 | Lisa Owen

Looks nice

September 20, 2022 | Julie Macnabb

Very good quality, but wife changed her mind, so now ordered another swatch.

September 8, 2022 | Peter Sloper

Really like the marble-effect design and colours, but also the feel and quality of the material. Doesn't feel cold to the touch.

September 5, 2022 | JOANNE THOMAS

Everything very good quality sadly didn't go with what we were doing

August 28, 2022 | William Aitchison Aitchison

Not really a marble effect but looks ok

August 22, 2022 | Nigel Paice

Need to see bigger area of this tile. Do you have any suppliers in my area. This would be so helpful. Thank you.

August 21, 2022 | Margaret Smuth

Looks even better than the picture love it absolutely beautiful

August 10, 2022 | Nenia Stephens

Just what I've been looking for, looks good quality

August 9, 2022 | Robert Meddicks

I like the laminate very much, but have been advised I need a thicker one than 8mm, I am undecided at the moment, but will be in touch if I wish to place an order

August 1, 2022 | Christine Shaw

I only saw the sample and i really like it. Looks very good quality.

July 6, 2022 | Sainabou Gomez

Like the look, still have to make a final decision as it's 40 sq mtr.

July 4, 2022 | Joan Gallagher

I liked the sample and was impressed with the quality.
I have given it to my builders and they are going to measure up and price the job.
I will be in touch

thank you

May 30, 2022 | David Peacock

Nice service and good staff

May 4, 2022 | Luigi Rizzo

It wasn’t white enough for my needs but seemed more cream looking & the marble effect was not very striking. Also with the added underlying, it worked out extremely costly compared to others Iv seem!

April 2, 2022 | Claire Taylor

Not arrived yet??????

February 24, 2022 | Anonymous

February 23, 2022 | Anonymous

Not right for me. Quite creamy pink under tone

January 24, 2022 | Anonymous

On time, good service and product just what I wanted

January 23, 2022 | ""

January 21, 2022 | Anonymous

Looks very nice. Thank you

January 21, 2022 | ""

Although very white, the sample we received didn't seem to have any of the grey flecks in it so it was hard to imagine

January 18, 2022 | Anonymous

Excellent product and service

December 9, 2021 | ""

Top quality waterproof flooring. Put it down in our kitchen . So quick and easy to lay. Marble effect looks really classy.

December 7, 2021 | ""

Excellent product,great service, the best I have found,

December 2, 2021 | ""

Absolutely delighted with my purchase . The sample does not do it justice. Goes down really well and looks amazing . Staff and service from discount flooring first class.

November 26, 2021 | ""

Novice that I am, found it difficult to lock together, but looks great now that it’s done

November 10, 2021 | Anonymous

November 10, 2021 | Anonymous

November 9, 2021 | Anonymous

Very good

November 5, 2021 | ""

Absolutelty perfect flooring

November 5, 2021 | ""

Very easy to cut and fit even for a DIY fitter.Also a much quieter and warmer alternative to ceramic tiles, whilst still giving me the look I wanted for my new kitchen.

November 3, 2021 | ""

Great flooring, great price and quick delivery.

October 30, 2021 | Anonymous

Very smart looking floor covering. The vein is quite delicate. Very classy

October 24, 2021 | Anonymous

Finished off our new bathroom perfectly, thank you

October 4, 2021 | Anonymous

Beautiful flooring, finished off my kitchen perfectly. Delivery quickly.

August 24, 2021 | Anonymous

Haven’t bought as yet, but recieved a sample it’s very good quality and I will be ordering soon.

August 23, 2021 | Anonymous

August 22, 2021 | Anonymous

Very nice

August 22, 2021 | Anonymous

Flooring was good but the return policy of 14 days is so not helpful. Given the availability of labours during this pandemic. At least 1 month should be allowed to return the goods.

August 18, 2021 | ""

Very high standards absolutely love the products and great service
Will definitely be buying off you again on next project

August 3, 2021 | Anonymous

Absolutely over the moon with my new flooring, I have had it done in my hall, living room, dining room and kitchen and it looks like marble tiles.

July 29, 2021 | Anonymous

good quality and great service

July 23, 2021 | ""

looks really good and has a real marble effect

July 22, 2021 | ""

I’m very impressed very good quality

July 19, 2021 | Anonymous

I ordered the sample for my flooring and was impressed by the look and quality of it so I decided to order for the whole of my downstairs. Order arrived and it looks even better than it does on the sample. I can’t wait to have it fitted next week and see the end results.

July 15, 2021 | Anonymous

July 13, 2021 | Anonymous

Looks good

July 12, 2021 | Anonymous

Fells like I’m on holiday in an apartment. Lovely and bright making the room look airy.

July 12, 2021 | Anonymous

The delivery was on time and good communication from courier. The quality is great and easy to fit. Tested some in water and it does meet the requirements for resistance - confident its going to last many years

June 23, 2021 | ""

Lovely floor, harder to fit than normal as it all has to be clipped together, but it’s fantastic looks like tiles and it really makes my home look amazing !

June 4, 2021 | ""

April 25, 2021 | Anonymous


April 2, 2021 | ""

So far I have only ordered the free sample, I was very impressed with the speed of delivery , the very generous size of the sample which has made it easier for my wife to visualize the finished floor also the quality of the sample has really impressed me. I will be ordering the flooring when I have got to that stage of the bathroom refit.

March 16, 2021 | ""

This flooring was very easy to lay and looks fabulous down it's so easy to clean and any scuffs come up very quickly.its also quite brings light into my kitchen and it is a joy to see. We want it all through the ground floor eventually. Very happy

February 26, 2021 | ""

Quick and easy to install, looks great

February 24, 2021 | ""

Lovely finish, great to look at, top quality product

February 24, 2021 | ""

Lovely flooring

February 22, 2021 | ""

Received samples and I liked this one the best , fantastic service from start to finish as with previous orders

February 18, 2021 | ""

Amazing flooring good quality looks great

December 11, 2020 | Anonymous

This flooring looks better than I imagined couldn’t really see what it would be like from the the little sample I received. So had to go on the photos. I’m so pleased with it now it’s down looks lovely. Warm too touch and non slippy. Well worth the money!

December 6, 2020 | ""

Product matches the specifications and was of high quality. The colour was a nice shade and the finish was to my liking

November 29, 2020 | ""

The laminate flooring is a perfect contrast for our new en-suite.
It was very easy to lay/install.
The price was also not to expensive.

November 25, 2020 | ""

The laminate is exactly what we needed to finish off our en-suite.
Easy to fit & looks superb.

November 12, 2020 | ""

Fabulous floor, fast delivery! Highly recommend.

November 11, 2020 | ""

Love the look!

November 11, 2020 | ""

The packs of boards pretty much all came in good order with the odd board not perfect but that was easily resolved as you will always need to cut a board and you just cut off the imperfect bit. They are easy to cut and they cut very well and straight with out chipping which is nice. I am a DIYer so not an expert by any means and I found this floor fairly easy to lay. Measuring and planning the boards is important so that you don't end up at one end or at a corner with a very thin piece to slot in as I don't believe that will lay down well. That is the same with all click flooring. I did have someone to help me as once you click the boards in on the side it is handy then to have someone to help you push in the whole row. The sides of this flooring boards have a plastic seal which was a bit tricky to click together but the length ways side clipped in fairly easily. You can't rush it, if you haven't lined up your sides properly your lengths will have gaps but don't be afraid to unclip the sides and realign them to get a very neat tight fit all over. Once laid it looks lovely, feels nice underfoot as its got a slight pattern on it so its not slippery. The tile effect really does look like its tiled and the marble effect assists towards this look. I would definitely recommend this flooring for DIYers and experts would find laying this floor a breeze. Discount Flooring Depot were excellent, the delivery was fast and very well packaged and protected. Even though there was a short delay of a couple of days, due to stock, their communications were excellent. I would use this company again for this sort of product, their price was unbeatable for the quality of the flooring.

November 6, 2020 | ""

Good quality flooring and received sample very quickly

November 5, 2020 | ""

Amazing quality and prompt delivery

October 11, 2020 | ""

Lovely floor only got a sample but my house not wide enough for tile effect

July 1, 2020 | ""

Looks great, however ye locking system not as simple as others I have used, but really happy with the purchase. Just hope it remains waterproof as stated on the packet!!

June 27, 2020 | ""

Looks great, however ye locking system not as simple as others I have used, but really happy with the purchase. Just hope it remains waterproof as stated on the packet!!

June 27, 2020 | ""

Got this for the whole of my downstairs, fitted extremely easily and was dream to lay, very good quality and the marble pattern on top is slightly textured to give the feeling of genuine stone, also helpful to give you grip whilst walking, was amazed how bright and clean it made the house look.

June 8, 2020 | ""

May 19, 2020 | Anonymous

Top quality at a great price quite easy to fit and looks great. Delivery was quick and service was excellent, highly recommended

April 22, 2020 | ""

October 25, 2019 | ""

Excellent product, looks even better then on a photo, easy to install and maintain

May 5, 2019 | Anonymous

An excellent product from an excellent company.
Very stylish, this white marble effect laminate give you a touch class for a fraction of the price, and is very easy to install.
Discount flooring depot has been in communication from start to finish, I would highly recommend.

January 22, 2019 | Daryl Peach

I'm very pleased with my sample that shows the high quality of the product and has helped me in deciding the one that's right for me.

December 14, 2018 | Anonymous

September 17, 2018 | Michael Tobin

Great product! As close as you can get to real tile but a to a fraction of the cost!

September 6, 2018 | Anonymous

Wow. Better than I thought. Easy to fit, colour spot on and has transformed our living room. Take about a make over, this is the 1.

August 20, 2018 | Richard Hylton

This is absolutely fantastic it’s pretty thick considering it’s only 8mm looks great

August 3, 2018 | Paul Stanworth

Looks to be very good quality received the samples in a couple of days will place order in next week or two

August 3, 2018 | Anonymous

The sample I have been sent is 100% what I am looking for in my new home. Hydro Guard white marble tile laminate, with underlay. Thank you discount flooring for quick response and reliable communication.

July 9, 2018 | Anonymous

A great product. This is more what I was looking for to achieve the desired looked. The groves gives it a plank look.

July 3, 2018 | Anonymous

The marble effect on a white background has brought a sense of light and airyness to our dining/kitchen areas. Looks very good with our mink quartz worktops.

July 1, 2018 | Frank McLaughlin

Sample piece is very good quality

February 10, 2018 | Anonymous

We Strong Advise NOT to book fitters until your goods are received and checked. 

Express Delivery (Mon-Fri)



  • Next day Monday - Friday pallet delivery when ordered before 12 pm
  • Between 8 am - 6.30pm
  • Delivery to kerbside only
  • Delivery must be checked and signed for
  • England and Wales only


Select Your Specific Day (Mon-Fri)



  • Monday - Friday pallet kerbside delivery
  • We'll contact you to arrange or let us know in the notes
  • Dates available will be 3 working days after the date you placed your order
  • Delivery must be checked and signed for
  • England and Wales only


Select Your Specific Day (Mon-Fri) - 9 am - 4 pm Arranged 2-hour Timeslot £50


  • Monday - Friday pallet delivery when ordered before 2 pm
  • Choose a time between 8 am - 6.30 pm
  • Delivery to kerbside only
  • Delivery must be checked and signed for
  • England and Wales only


Express Delivery (Mon-Fri) - 12 pm - 4 pm Arranged 2-hour Timeslot £60


  • Next day Monday - Friday pallet delivery when ordered before 2 pm
  • Choose a time between 8 am - 6.30 pm
  • Delivery to kerbside only
  • Delivery must be checked and signed for
  • England and Wales only


Oversized Delivery - Courier Organised 2 - 3 working day delivery £30
  • Orders containing carpet or artificial grass will be delivered in 2 - 3 days (Mon-Fri).
  • Courier(s) will email you when the flooring has been dispatched
  • Change your delivery date through courier
  • Delivery to kerbside only
  • Delivery must be checked and signed for
  • England and Wales only
 DX Courier Accessories Delivery £15


  • If you are only ordering accessories there is a £15 delivery charge
  • Next day delivery when ordered before 2 pm
  • Kerbside delivery only
  • Delivery must be checked and signed for
  • England and Wales only


For full delivery information and our terms and conditions please see our full policy here.

14-day hassle-free returns

We offer a 14-day returns policy, simply fill out this form to start the returns process. A refund will be issued 3 - 5 bank working days after goods have been received and checked in our warehouse. For further information please see our returns policy here

How To Purchase Using PayPal Pay In Three


You will need to sign in to your PayPal account in order to process the payment. Once you're details are entered simply select "Log In"



You can the full amount through PayPal if you want to; just select your preferred card and press the continue button. 

If you scroll down, you will see the "Pay in 3" option. Make sure this is selected and press the continue button 




At this stage, PayPal will detail how your total amount will be broken down and provide details of the payment instalments. 

 The initial payment is taken on the day of order with the remaining dates detailed after. If you are happy to proceed click the continue button.


Make sure you double check your billing address. If this is incorrect click the change button and input the correct details. 

Ensure your mobile number is also included as PayPal will send you a text to remind you of your payments. 

Once all checked, press continue. 



You're almost there. Check you have the right payment card selected, read the T&C's and once you're happy, select the box to agree to PayPal's terms. 

Press the "Agree and Authorise" button.



Once the payment is confirmed via PayPal, they will re-direct you back to our website confirming the payment has been made. 

We will also send you an email confirming your order and the next steps. 

All you need to do is sit back, relax and wait for us to deliver your goods to your home. 

Full Pay In Three T&C's

PayPal Pay in 3 Terms and Conditions

Key information:

  • PayPal Pay in 3 is a loan that allows you to pay for your purchase in three interest-free instalments.
  • Your first instalment is due at the time you make your purchase. Your second and third instalments will be due in the following two months. The dates of these payments are detailed in Clause 1.3 below.
  • There is no interest, fees or charges for choosing to pay with PayPal Pay in 3.
  • Repayments are made automatically from your PayPal account using the funding source you select, either your chosen debit card or a bank account linked to your PayPal account. We do not permit customers to make repayments using a credit card.
  • You may repay the amount you owe in full at any time, without any fees or charges.
  • We may also run a credit check with an external credit reference agency when you apply if we need more information to make our decision. This search will only be visible to you.
  • To understand your rights and what happens to your Pay in 3 Plan if you cancel your order with a Merchant, please see Clause 4 below.
  • Before you proceed, please carefully consider these terms and conditions. It’s important that you’re able to keep up your repayments and that you’re comfortable that they’re affordable.
  • If you miss a repayment, it may make it more difficult or expensive to obtain further credit from PayPal and other lenders.
  • Please refer to our Privacy Statement at for more information about how PayPal processes your personal data.
  • If you have any questions about PayPal Pay in 3, please visit our help pages.

  1. Your Pay in 3 Plan
Customer name  
Customer address  
Customer email  
PayPal account ID  
Agreement date  
Pay in 3 Plan reference  
  1. PayPal Pay in 3 is a fixed sum credit arrangement (“Pay in 3 Plan”), granted to you, the customer named above, (“you”) by PayPal (Europe) S.à r.l. et Cie, S.C.A. (“PayPal”, “us” or “we”) pursuant to this Agreement.
  2. PayPal Pay in 3 allows you to pay in instalments for eligible purchases that you make using your PayPal account. This Agreement will govern use of your Pay in 3 Plan, but the PayPal User Agreement will govern your wider use of your PayPal account in completing the transaction. The PayPal User Agreement is available on the PayPal website and can be seen here.
  3. The Transaction Amount is the value of your purchase less any PayPal account balance or special funding arrangement applied. We will automatically apply any merchant or transaction specific balance linked to your PayPal account to fund an eligible purchase and this will reduce the amount which is available to be funded through a Pay in 3 Plan. Pay in 3 will not be available where the Transaction Amount is reduced below £30 and may not be available for purchases with certain merchants.
  4. The details of this Pay in 3 Plan are as follows:
Loan Amount
(The Transaction Amount plus any additional costs, fees and charges accepted in checkout.)
Repayment Plan Instalment 1:
Instalment 2:
Instalment 3:
Repayment Method Payment by your chosen debit card or bank account linked to your PayPal account as a funding source.
Each of the terms in the left hand column of the table above is a defined term within this Agreement. Any defined terms used within this Agreement and not defined shall have the meaning given in your PayPal User Agreement.

  1. You agree that the Loan Amount set out in Clause 1.3 above may vary from the amount set out above depending on:

    1. any changes to the applicable currency conversion rate that occurs between the time the transaction is authorised and the time your PayPal account is debited; and/or
    2. any additional amount you may accept to pay under the purchase contract for your order with the merchant (the “Order”) such as (but not limited to) shipping costs, insurance costs, etc.
  2. You expressly agree that any Loan Amount varied in accordance with Clause 1.4 above is the amount you agree to borrow under your Pay in 3 Plan. Your varied Loan Amount and the updated Repayment Plan can be viewed by logging into your PayPal account.
  3. You acknowledge and agree that the Pay in 3 Plan falls under the exemption set out in Article 60F of the Financial Services and Markets Act (Regulated Activities) Order 2001. This means you may not benefit from all the protections provided by the Consumer Credit Act 1974 and the UK’s consumer credit regulatory regime.
  4. PayPal Pay in 3 is available to natural persons of at least 18 years old residing in the United Kingdom that hold a PayPal account with a valid debit card or bank account linked to it as a funding source for the duration of this Pay in 3 Plan.
  5. Our decision to lend to you under this Agreement is based on, amongst other things, our assessment of your financial position, the information you provided us within your application and information about your usage and history with PayPal. You may wish to download or print a copy of this Agreement and retain it for your records.
  1. Execution and entry into force of this Agreement

    1. By entering into this Agreement, you expressly accept that the performance of this Agreement starts immediately after your acceptance and not after the expiration of the fourteen (14) calendar day withdrawal period further detailed in Clause ?3 below.
    2. PayPal reserves the right to grant or refuse the Pay in 3 Plan at its sole discretion and for any reason, including on the basis of our assessment of your financial position.
    3. If your first instalment at the time of application is rejected or fails, your application for PayPal Pay in 3 will be declined and you will be asked to choose a different method of payment for your purchase.
    4. The Loan Amount made available under this Agreement will be directly paid to the relevant merchant through your PayPal account. If the merchant does not accept your transaction or order, this Agreement will terminate with no costs or liabilities imposed on either you or PayPal.
  2. Your right of withdrawal from this Agreement

    1. You may withdraw from this Agreement without giving a reason by contacting us using the details provided in Clause ?8.3 below. You have fourteen (14) calendar days to do so, starting from the day after you enter into this Agreement.
    2. If you choose to withdraw from this Agreement, the Agreement will end and you will have to repay any Loan Amount outstanding.
  3. Cancelling your Order with the merchant

      1. You usually have rights under consumer law to cancel your Order at any time before it is delivered and 14 days after. The 14 day period starts:
        • on the day after all parts of your Order have been delivered (where you are buying goods); or
        • on the day after your purchase (for digital purchases).
        You may have a longer cancellation period either under a merchant’s policy or under consumer law in certain circumstances. You can usually view further details on the merchant’s website or within their communications about your Order.

        Some Orders cannot usually be cancelled – for example, purchases of personalised items, perishable items and sealed audio, visual or software which you open.
      2. If you choose to cancel your Order, it will also mean that your agreement with us is automatically terminated (see Clause 10.5 below). Once a merchant has confirmed the cancellation of your Order and the amount of any refund due, we will update your payments and return any amounts due to you. PayPal will take these steps promptly, usually within 24 hours of receiving a refund from the merchant.

        You may sometimes not be entitled to a full refund, for example if you chose a more expensive shipping option or if the goods are not returned in their original condition. Please see Clause 4.4 below for details of how we will treat a partial refund.
      3. Unless you:

        1. tell us that you have cancelled your Order with the merchant; or
        2. we are told by the merchant that you have cancelled the Order and a refund is in progress,
      4. we’ll continue to process any payments in accordance with the dates set out in your repayment plan. If you are concerned that your next repayment will be taken before we receive confirmation from the merchant, you can contact us online at
         by selecting ‘Help’ and then ‘Contact us’ to let us know you’ve cancelled your Order so that we can either pause your next payment or stop repayments being taken automatically.

    1. If you choose to withdraw only from part of your Order or the merchant provides a partial refund, the Loan Amount will be reduced accordingly with the future instalments to be paid pursuant to the Repayment Plan being reduced equally and proportionally. You can view your revised Loan Amount and Repayment Plan by logging into your PayPal account.
    2. Where your Order was funded by PayPal account balance and /or a special funding arrangement in addition to your Pay in 3 Plan:

      1. If you cancel your Order, or withdraw from part of your Order or the merchant provides a partial refund, any refund will be applied in the following order:

        1. firstly, to update your Pay in 3 Plan;
        2. secondly credited to your PayPal account (only where the Order was partly funded by your PayPal balance); and
        3. any remaining amount will be applied to re-instate or partially re-instate the special funding arrangement in your PayPal account (provided that it has not already expired) on the terms which applied to it at the time of the Order. More detail on special funding arrangements can be found in the PayPal User Agreement. Examples of special funding arrangements include merchant or transaction specific balance, gift vouchers or promotional funding arrangements.
      2. Where the refund amount is not enough to satisfy the Loan Amount in full, it will be reduced accordingly with the future instalments to be paid pursuant to the Repayment Plan being reduced equally and proportionally. In this situation, any special funding arrangement will not be re-instated to your PayPal account.
    3. If any activity detailed in this Clause 4 results in an overpayment to your Pay in 3 Plan, PayPal will reimburse the overpaid amount to your PayPal balance as quickly as possible.
    4. In the event you receive a refund from a merchant, it is your responsibility to return the item purchased to the merchant and, other than as set out in this Agreement and your statutory rights, we will not be held liable for a dispute between you and the merchant in relation to an item purchased.
  4. Repayments

    1. You are required to repay the Loan Amount in accordance with the Repayment Plan as updated from time to time.
    2. Each repayment will be automatically debited from your chosen Repayment Method (as may be updated by you from time to time) on the dates set out in the Repayment Plan. You are able to manage the available Repayment Methods in your PayPal account or by contacting us using the details in Clause 8.3 below. You can also cancel any continuous payment authority or direct debit authorisation by contacting your bank, but you will still be responsible for meeting the repayments due under this Agreement.
    3. You can also repay the next instalment in your Repayment Plan or the outstanding Loan Amount at any time. You may do this by logging into your PayPal account and clicking on the “Make a Payment” button in the Pay in 3 section or by contacting our customer service team.
    4. If you choose to repay the next instalment in your Repayment Plan early, we will not debit your Repayment Method on the date specified for that instalment.
    5. There are no fees or charges associated with making a repayment in accordance with Clause 5.3 above.
    6. If PayPal tries to debit your Repayment Method for the repayment of an instalment and it fails, we may represent that amount to your Repayment Method for payment within 10 days or alternatively take the repayment from the balance of your PayPal account, if any.
    7. If you repay us more than you owe us, we will refund any excess amount to your PayPal account as quickly as possible.
    8. If we refund your PayPal account and it is later determined that no refund should have been paid, we will be entitled to recover it from your PayPal account where there is sufficient balance or from your Repayment Method.
    9. Repayments made by you under this Agreement will be applied:

      1. first, to past instalments which are due but unpaid (if any); then to
      2. the current instalment being due; and then to
      3. future instalments in the date order that they fall due.
    10. Missing a repayment could have severe consequences, including our taking legal action against you, and may make obtaining credit more difficult. If you miss a repayment:

      1. you may be affected in a way that makes it more difficult or expensive to obtain further credit; and
      2. you may face legal action to recover what you owe.
    11. If you are concerned about your ability to meet your repayments, we would encourage you to contact us as soon as possible so we can discuss options (see Clause 8.3 below). There are also other independent sources of support available who may be able to answer your questions or provide help, including:

      1. MoneyHelper: visit or phone 0800 138 7777.
      2. PayPlan: visit or phone 0800 280 2816.
      3. StepChange: visit or phone 0800 138 1111.
  5. Your Pay in 3 purchases

    1. The Pay in 3 Plan is only available in pounds sterling (GBP). For transactions not in pounds sterling (GBP), PayPal will automatically convert the transaction amount to pounds sterling (GBP) at checkout before providing you with the Pay in 3 Plan. Any applicable currency conversion or other charges will be applied in accordance with your PayPal User Agreement.
    2. PayPal may enable the use of special funding arrangements for Pay in 3 purchases in its absolute discretion.
    3. For the avoidance of doubt, you must continue to make the repayments due under this Agreement on their due date whilst any claim and/or dispute you raise is being investigated.
  6. Our liability

    1. We shall not be responsible if you are unable to use your Pay in 3 Plan or should we be unable to carry out any of our obligations under this Agreement due to:

      1. our compliance with applicable laws or regulation; or
      2. abnormal and unforeseeable circumstances beyond our reasonable control, the effects of which would have been unavoidable despite our efforts to the contrary.
    2. You cannot use a claim against a merchant as a reason for not making repayments to us unless you have a legal right to do so.
  7. Communication

    1. By derogation from your PayPal User Agreement, any notice to be provided to you by us under this Agreement will be exclusively sent by posting it on the PayPal website(s) (including the posting of information which is only accessed by logging into your Account), emailing it to the email address listed in your Account, calling you by phone, or sending you a “text” / SMS message.
    2. If we have reasonable grounds for believing that you have changed your email and postal addresses, for example because our correspondence is returned to us, we may instruct agents to trace you.
    3. You can find how to contact us online at by selecting ‘Help’ and then ‘Contact us’.
  8. Changing this Agreement

    1. We may change any term of this Agreement where the change is necessary to make the Agreement fairer to you or easier to understand or reflects a change in relevant laws or regulation. Unless prohibited from doing so by law or regulation, we may make the change immediately and tell you about it within twenty-one (21) calendar days.
    2. If you apply for and are offered further Pay in 3 Plans, those Plans will be subject to the terms that apply as at the date of the relevant Pay in 3 Plan, which may differ from the terms of this Agreement. You are responsible for ensuring that you are familiar with the terms of each Pay in 3 Plan you enter into.
  9. Termination

    1. This Agreement shall automatically terminate once the Loan Amount is repaid in full.
    2. We may terminate this Agreement and the related Pay in 3 Plan and demand immediate repayment of the full amount you owe us if:

      1. we find out that our decision to lend to you was based on inaccurate, misleading or incomplete information;
      2. you breach this Agreement regularly or seriously;
      3. you break the law or you appear on any sanctions list that we monitor;
      4. we have a reasonable belief that you no longer have the ability to control your account, including if you are deceased or of unsound mind;
      5. you have broken the terms of another agreement with us (including other Pay in 3 Plans or a PayPal Credit agreement);
      6. we reasonably believe you no longer reside in the United Kingdom; or
      7. if you close or attempt to close your PayPal account.
    3. To the extent permitted by the applicable law, we may also ask you to pay any reasonable losses and costs that we incur as a result of you breaching this Agreement.
    4. You may terminate this Agreement at any time by repaying the outstanding Loan Amount due at this date within the conditions set out in Clause ?5.3 above.
    5. This agreement will also terminate automatically:

      1. if the circumstances set out in Clause 2.4 above arise; or
      2. where you exercise your right to cancel the Order. See Clause 4 above for more detail.
  10. General

    1. The laws of England and Wales apply to this Agreement. Any dispute shall be subject to the jurisdiction of the courts of England and Wales, unless you reside in Scotland (where it will be subject to the courts of Scotland) or Northern Ireland (where it will be dealt with by the courts of Northern Ireland).
    2. PayPal (Europe) S.à.r.l. et Cie, S.C.A. (a limited liability partnership registered at the companies register of Luxembourg under number B 118 349, having its registered office at 22-24 Boulevard Royal, L-2449, Luxembourg) is duly licensed as a Luxembourg credit institution and is under the prudential supervision of the Luxembourg supervisory authority, the Commission de Surveillance du Secteur Financier, with registered office in L-2449 Luxembourg.
    3. This Agreement contains the whole agreement between us and you regarding your Pay in 3 Plan and supersedes and replaces any prior written or oral agreements, representations or understandings between us and you in relation to this Agreement. Each party confirms that it has not entered into this Agreement on the basis of any representation that is not expressly incorporated in this Agreement. In the event of a conflict between this Agreement and any provision of the PayPal User Agreement, the terms of this Agreement shall prevail.
    4. You acknowledge and agree that any liability that we may have in connection with your PayPal Account and the PayPal products and services we may provide to you from time to time may be subject to write-down and conversion powers by a competent regulatory authority that supervises us, notwithstanding any term of any other agreement or arrangement between us. This is due to a requirement in a European Union Directive (2014/59/EU) (as transposed into relevant national law) which provides regulatory authorities with such powers to manage the resolution of relevant financial institutions like PayPal. These powers are intended to avoid or reduce the need for governments and taxpayers to bail out relevant failing financial institutions.
    5. By your use of your PayPal Account and any PayPal products and services, you acknowledge and agree to be bound by the effect of such write-down and conversion powers, which include (among others) (a) a reduction, in full or in part, of any amounts that may be due by PayPal to you; (b) a conversion of all, or part of, any such liability into shares in PayPal; (c) a cancellation of any such liability; and (d) a variation of any term of our relevant agreement(s) in connection with your PayPal Account and any PayPal products and services with a view to enable the effective exercise of these powers. For example, the money that PayPal owes you may be converted into PayPal shares instead of being paid to you in cash.
  11. Complaints

    1. If you have a complaint against us, our goal is to learn about and address your concerns. Complaints may be reported by contacting us. The details of how to do this can be found online at by selecting ‘Help’ and then ‘Contact us’.
    2. You may also file a complaint by contacting one of the following:

      1. European Consumer Centre (ECC-Net). You may obtain further information regarding the ECC-Net and how to contact them at
      2. Commission de Surveillance du Secteur Financier (CSSF). The CSSF is the authority responsible for the prudential supervision of companies in the financial sector in Luxembourg. You can contact the CSSF at 110 Route d’Arlon L-2991 Luxembourg. You may obtain further information regarding the CSSF and how to contact them at:
    3. Unregulated lending products like Pay in 3 are not currently subject to the Financial Ombudsman Service’s (FOS) jurisdiction, but the payment functionality and some other services provided through your PayPal account are. Clause 1.2 above gives more detail. Because of this and depending on the nature of your complaint, if we do not resolve your complaint internally to your satisfaction, you may be able to refer it to the FOS. The FOS is a free, independent service which might be able to settle your complaint. The FOS’s contact details are:

      Post: Financial Ombudsman Service, Exchange Tower, Harbour Exchange, London, E14 9SR Telephone: 0800 023 4567


      You can find out more information from the FOS website:

  12. Data Protection

    Please refer to our Privacy Statement at for more information about how PayPal processes your personal data.

    If you want to exercise your data protection rights or have any questions about our Privacy Statement, PayPal's data protection practices, or your PayPal Pay in 3 application, you can contact us online at by selecting ‘Help’ and then ‘Contact us’, or by writing to us at the following email address or at PayPal (Europe) S.à.r.l. et Cie, S.C.A Société en Commandite par Actions 22-24 Boulevard Royal L-2449, Luxembourg.

    The details you provide in your application form help us make responsible lending decisions. We ensure the security of your personal data.

    For credit decisions and the prevention of fraud and money laundering, we may use credit reference and fraud prevention agencies (“FPAs”) to help us make decisions.

    When you apply to us to open a Pay in 3 Plan, we will check the following records about you:

    Information on applications may be sent to CRAs and may be recorded by them. Where you borrow from us, we may give details of your Pay in 3 Plans and how you manage them to CRAs. If you do not repay in full and on time, CRAs may record the outstanding debt. This information may be supplied to other organisations by CRAs and FPAs to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted.

    If you provide false or inaccurate information and we suspect or identify fraud, we will record this and will pass this information to FPAs and other organisations involved in fraud and money laundering prevention.