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  • Free Samples are provided for this product. Order up to 3 free samples and we'll deliver them direct to your door for free!
  • This product is 8mm in thickness. This is the standard thickness for most laminate floors.
  • This product has a square edge finish so keeping this floor clean will be easy as no dust or dirt can gather in the joints.
  • The embossing process gives the flooring a texture which matches up with the appearance of the grain in the wood, giving it a realistic wood effect.

Signature - 8mm Herringbone - Laminate Flooring - Natural Oak

Product Code: LAM476
  • Now £18.49 £46.78 Per Pack
Want it by Tuesday 5th December?
Order within 1 day, 8 hours, 50 minutes
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Signature - 8mm Herringbone Laminate - Natural Oak

Product code LAM476
Species Oak
Finish Smooth
Construction HDF Core
Thickness 8 mm
Width 327 mm
Length 1291 mm
Edge Detail Flat Edge
Pack Size 2.53 m2
Planks Per Pack 6
Durability Rating AC4
Warranty 20 Year Residential
Installation method CLIC It

Underfloor Heating

Suitable, Water & Electric

Click HERE for installation instructions
Laminate Flooring Maintenance Brief Overview

The luxurious natural oak laminate herringbone floor has a distinctive pattern that will help create a timeless look within your home.

These extra-large boards have the parquet block pattern printed on them. Allowing you to have the look for a parquet floor without the cost. The new easy click installation systems will make fitting faster.

Why buy Signature Laminate? 

✅ Timeless style

✅ Our customer's favourite range 

✅ Timeless and suitable for a range of rooms and interior styles 

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


Review Summary - 5 out of 5 based on 59 ratings.
Sort reviews by:

November 24, 2023 | Anonymous

July 24, 2023 | Paul Lockwood

July 12, 2023 | M. Jones

Unhappy really. As the parquet patterned boards were not evenly packed, hence had to order more packs than required. Also the returns process is extortionate.

April 3, 2023 | Jakher Miah

Looked product going to place a order in couple weeks when we move!

March 22, 2023 | Jackie Mcquillan-Bantick

March 19, 2023 | Anonymous

Lovely flooring but I wanted to see the herringbone pattern as it shows in your website. unfortunately it only came in 1 small piece so I’ve got no idea how the pattern will work.

August 31, 2022 | Mary Reynolds

Order some samples. Just what we are looking for. Amazing fast delivery. Once we’ve measured up we’ll definitely be placing an order.

June 21, 2022 | Stella Shepherd

100% recommend even just the company with customer support and help where needed. We had a couple of pieces of floor damaged we received with in 2days.

Customer support easy to contact where needed.
Outstanding company

May 11, 2022 | Amelia Flint

Great colour and the product was great quality

April 19, 2022 | Susan Lovejoy

Really lovely colour/pattern.. great quality. Just waiting on the floor fitter before ordering as we’re not sure how many packs!! Can’t wait

April 13, 2022 | Alice-Rose Regan

Great samples which will help us make our decision on which one would suit our room best.

February 15, 2022 | Anonymous

I haven’t ordered or received free samples but I am waiting for replacements for damages to arrive.

January 29, 2022 | ""

December 14, 2021 | Anonymous

Wouldn’t of even bothered sending out the ‘sample’.
It was half the width of a regular laminate plank and shorter than a 30cm ruler to put it into perspective.
I put it down in my living room and laughed as it didn’t give me a clear image as to how the whole living room/kitchen will look.. especially the herringbone design as I only got one slither of the knots running one way.. I’m still none the wiser if this product is going to be any good for me and the only reason I’ve gave it 3 stars is because the quality seemed okay but the ‘sample’ is rubbish.
Perhaps if you could send a couple of pieces so that people can actually see the herringbone effect that would be better.

November 13, 2021 | Anonymous

The flooring looks fantastic at first glance. Delivery was seamless and quick and the value for money was great. Really happy with the end product!!

October 5, 2021 | Anonymous

Fabulous flooring and Jason was extremely helpful with his advice. A company and service I would highly recommend :-)

October 5, 2021 | Anonymous

We love this flooring design, which looks both very natural and striking.
The new Clik System is easy to install, and the product itself is of high quality.
We did need some assistance with our order, and Judith and Jonny were extremely helpful.
Thank you.

September 21, 2021 | Anonymous

My flooring looks beautiful thank you discount flooring depot.

July 19, 2021 | ""

Flooring is very simple to install with a click system and boards can be cut easily to fit in awkward places. I was anxious as my flooring isn’t perfectly level however with the correct underlay the laminate has lay perfectly. Colour matches with the images on website

July 7, 2021 | Anonymous

This looks absolutely brilliant on our floor however as it is 8mm, it will chip off easily while installing. Also, was more difficult than usual to install as we were sent extra box of a different pattern

May 21, 2021 | ""

Stunning! Looks great. Easy to put down. Highly recommend

March 30, 2021 | ""

Very stunning flooring, to give a wonderful wow factor to any home, quick delivery and great product knowledge

March 25, 2021 | ""

Good quality laminate has completely changed the look of my living room . Already recommended it to one of my mates

December 21, 2020 | ""


December 15, 2020 | ""

Fast shipping and fantastic quality!

November 9, 2020 | ""

Fantastic quality and fast shipping.

November 6, 2020 | ""

Really lovely floor, looks great and is durable.

October 30, 2020 | ""

Great service, great product and great price

October 22, 2020 | ""

This parquet flooring was super easy to install and it looks amazing! It’s completely transformed my office. Everyone was helpful every step of the way with quotes and other products I would need to install the flooring! Couldn’t recommend it more!

October 1, 2020 | ""

beautiful floor , with lovely pattern , good thickness

October 1, 2020 | ""

Went together very well, good quality and looks beautiful. Very pleased with the finished floor.

September 27, 2020 | Anonymous

We love this floor, the finish looks really premium and you can tell it is a quality laminate. We did have some problems when the stock came damaged however discount flooring were great at helping replace this quickly so not to impact on our fitting date.

September 16, 2020 | ""

I am very pleased with my new flooring! The style is amazing and the finish is incredible
The flooring gets so many compliments and is a true statement feature in my living room. Only improvement which could be made is to also stock the matching beading
Thanks again!

September 1, 2020 | ""

This is the second room I have covered in this product and it looks amazing.
I have big dogs and after a year it looks the same as it did 12 months ago .
The joiner says it is an excellent product to work with
Finally it’s bang on trend !!

August 21, 2020 | ""

Really happy with the quality of this product. Looks great, a real modern twist on the classic herringbone pattern.

August 10, 2020 | ""

Looks good quality

August 3, 2020 | ""

Gorgeous floor! Very easy to install and joins are barely visible! So pleased with it. Highly recommend :)

July 16, 2020 | ""

I love the look of my new floor, great quality too.

June 18, 2020 | ""

This flooring looks amazing. It’s really good quality however we have dropped a star due to finding it difficult to click together correctly. Once we’d got the knack it went together much better but we’ve fitted cheaper flooring in the past which was much easier to click together. Discount flooring are an amazing company to deal with and in future we’ll definitely order from them again.

May 6, 2020 | ""

Beautiful flooring at a very reasonable price. It looks great and was easy to fit once we figured out how to make the pieces fit together.

April 12, 2020 | ""

One of several samples we ordered. Delivery was quick. Still deciding on which product to go for.

February 15, 2020 | ""

Our new flooring is lovely! Was very easy to install, looks great and was reasonable in price. The only downfall was we underestimated by one pack, and had to pay the full £30 delivery charge for the extra pack - but was our own fault really! Thanks for the lovely quick delivery and good service :)

January 29, 2020 | ""

Really impressed with this product, looks really expensive laid and so much easier than individual herringbone flooring. has a really nice matte, grainy textured finish to look like real wood.

December 23, 2019 | ""

Really good quality laminate, not like the ones from B and Q. Such a good price. Makes the room look wow and a lot bigger.

December 3, 2019 | Anonymous

Nice looking boards, and easy to lay. Relatively easy to damage the tounge/groove and so some boards were slightly chipped on arrival, but luckily managed to use these at the edges so it didnt show.

November 17, 2019 | ""

Really attractive laminate with varying grain on the wood surface. Supplied at a good price, excactly on the day agreed. Beautifully packed and protected against damage. Needed to change deliverey day - done with no problem at all

November 14, 2019 | ""

Great price and quick efficient delivery with very friendly driver, all in perfect order when arrived. Not fitted yet due to building work but quality looks fantastic for the money. Herringbone effect without the faff or huge price tag!

November 7, 2019 | ""

great looking flooring and simple laying system.

October 7, 2019 | Anonymous

very helpful staff

September 19, 2019 | Anonymous

Beautiful hard wearing finish. Great quality flooring at a great price. Can HIGHLY RECOMMEND.

September 1, 2019 | Carla

Great quality flooring at a great price. Not too dark and really natural looking. The boards are a great size are easy to install and fit together easily.

September 1, 2019 | Anonymous

Looks very suave and sophisticated. A different flooring character altogether because of the herringbone effect . Fits together very easily and looks the part. very happy with my purchase and the price is very good as well.

February 24, 2019 | Philip Hibbert

I loved the picture on the website of this and love the colour, it is just difficult to imagine how it will look as jarring one due to the size and nature of the style from the sample

January 8, 2019 | Jaime Corrigan

Fabulous quality. Colour was exactly as expected.

December 21, 2018 | Ann Page

Great quality flooring, arrived quickly and the colour and finish was lovely. Even nicer than on the website!

December 7, 2018 | Lauren Brereton

Flooring was a good price, I received responses to my queries in a timely manner which helped make my mind up quickly. I received updates on my order/delivery in perfect time and the flooring arrived on the date at a really convenient time. All in all an excellent service received and a great product.

October 15, 2018 | Sarah Elwell

Looks amazing and really pleased with the flooring

September 14, 2018 | Karen Wilks

Wow arrived quickly.
Excellent pack with the sample I selected, plus sample of suitable underlay and a sample edge, the whole "nine yards" this has given me food for thought as I'm just investigating at the moment.

March 16, 2018 | Christine Grandison

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.