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uk’s lowest flooring prices
easy delivery & returns
  • This product is 7mm in total thickness and suitable for most areas of the home.
  • This floor has a 15 Year Residential Warranty which shows how confident the manufacturer is in the durability of the product.
  • 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.

Sydney - 7mm Laminate Flooring - Grey Oak

Product Code: LAM258
  • Now £11.49 £28.61 Per Pack
Want it by Tuesday 5th December?
Order within 1 day, 9 hours, 18 minutes
Need help measuring your room? Click here ›
Fast Delivery
Easy Returns
Product Sydney - 7mm Laminate Flooring - Grey Oak
Product code LAM258
Species Oak
Finish Wood Grain Texture
Construction HDF Core
Thickness 7 mm
Width 193 mm
Length 1292 mm
Edge Detail 4-sided V-groove
Pack Size 2.48 m2
Durability Rating AC3
Installation CLIC It
Warranty 15 Year Residential
Planks Per Pack 10

Click HERE for installation guide
Laminate Flooring Maintenance Brief Overview

One of our most popular grey laminate floors, Sydney Grey Oak works perfectly in any space with any décor style. 

Our Sydney range is a beautifully created laminate that looks great and is budget-friendly. With a warm and natural feel, this range boasts a 15-year warranty, a realistic v-grove and a wood grain textured finish. Perfect for a DIY renovation.

Each board is 7 mm thick, 193 mm wide and 1292 mm long, with each pack covering an impressive 2.5 metres square. Featuring a durable AC3 rating, a fade-resistant coating and meets ISO antibacterial standards, the Sydney range is ideal for your home.

Benefits of Sydney laminate

✅ Easy fit

✅ Budget-friendly

Get your free sample today.

As part of this floorings upgrade the click system has changedIt will no longer fit into previous floors purchased before May 2021. Please get in touch if you require the older system. 


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

It is lovely fl[ring un fortunately not what I have in mind

November 20, 2023 | Debbie Hogan

I had a sample sent to me and although it was a good laminate the colour wasn't right for me.

October 15, 2023 | Anonymous

March 12, 2023 | Gary Armitage

March 12, 2023 | Gary Armitage

November 27, 2022 | Patricia Dawber

Loved the flooring but not the delivery charge of £40!!

November 14, 2022 | Gina Busbridge

Ordering was simple enough and the product was delivered on time don't recall any mention of kerbside delivery when I ordered though not an issue fir me but may be for some.
Although it wasn't stated the brand I got is a major player as far as flooring goes so pleased with that. My only issue is that the product delivered looked nothing like the photos it was a lot lighter than what I got that said I still liked and layer it.
Would I use the company again? YES
Would I recommend the company and the product? YES
overall I'm happy with the service and the product.

October 10, 2022 | Martin Ambrose

Delivered sample quickly, excellent value for as half price delivery also.Have ordered and delivery is in a couple of days Colour is a lovely oak . Have also done the scratch test on sample passed with flying colours not a mark.

October 2, 2022 | Anonymous

Sample just what we wanted and order placed.

October 2, 2022 | Joan Jones

Its a bit small but gives me a good idea. Very helpful as photos are deceptive on shade etc.

September 8, 2022 | Edward Dewhurst

Love the look of this flooring

July 25, 2022 | Mevy Mirza

Sample is goodxquality and its a contender for when i order my new floor for whole house refurbishment 120 sqm

June 5, 2022 | Steve Evans

It's what I'm looking for and will be ordering from you very soon thankyou

May 22, 2022 | STEPHEN Rapley

Really nice colour and quality

February 25, 2022 | Anonymous

Love this sample perfect color

February 3, 2022 | ""

January 28, 2022 | Anonymous

Great range of samples, quick free delivery, looking forward to ordering our flooring

January 22, 2022 | ""

Looks great. Easy to clean. Love it.

November 15, 2021 | Anonymous

Really nice looking flooring, great feel and easy to fit together.

October 20, 2021 | ""

Good price and quality

October 8, 2021 | ""

perfect looks good and the service was spot on

September 15, 2021 | Anonymous

i finally fitted the laminate flooring, it was really easy to fit and looks very good i'm really pleased with it, and the service i got was spot on un fortunatelly i cant send photos to be honest i dont know how to send them i'm too old to for that

September 14, 2021 | Anonymous

I am very pleased with this company, I ordered samples including the above mentioned and will be ordering soon

August 30, 2021 | ""

The flooring is fine and at an excellent price. One star lost because of the terrible lack of information after following the link to the courier's website. Simply said 'Consignment not found'. Logging on directly to their own website was no better. I therefore had no tracking information and no idea when to expect delivery.

August 15, 2021 | Anonymous

This is the third time I’ve used this flooring and I love it, a good quality Egger board that clicks together nicely and looks very classy. I will definitely use it again.

August 1, 2021 | Anonymous

Great flooring with a lovely colour, we bought some a year ago for our bedroom and entrance hallway. As such it made our other rooms feel really dark, so we made the decision to go with the same flooring now throughout our living room and kitchen!
The colour just lightens up the rooms and also provides a nice contrast against the darker furniture.
We try and lay them in lines where possible to make it tightly connected but we found the tapping method the best when fitting this time around and do them 1 at a time.

July 23, 2021 | Anonymous

Love the colour I bought and the flooring are very good condition.
Arrived as on time
Thank you

June 25, 2021 | Anonymous


June 24, 2021 | ""

Flooring looks great. It has totally transformed our room. It was a very reasonable price and floor fitter was very impressed with the quality eoscially for the price we paid. Would highly reccomend. Staff were also very helpful when I needed to add bits to my order. Responded quickly and were all very polite and helpful.

May 27, 2021 | ""

Really quick delivery fantastic, plus the delivery guy was really kind and helpful definitely will recommend

April 27, 2021 | ""

So pleased with this floor in our conservatory looks clean and fresh and such top quality product would recommend to all.

April 27, 2021 | ""

good but not what we were after

April 13, 2021 | ""

April 5, 2021 | ""

Moon grey laminate, looks gorgeous but slow to install the ‘click in’ method still requires a lot of easing and wriggling and then a lot of hitting against a block to get in (more than normal so taking longer to get in) but it’s looking great so far and the best price I could find anywhere. I would still definitely recommend as it’s cost half the price.

February 23, 2021 | ""

I really like the sample of Sydney flooring you sent me, like the colour and the texture, I hope to be moving home in the next few weeks and I will certainly be ordering from you, fingers crossed.

February 23, 2021 | Anonymous

No issues easy to order great product delivery on time driver rang to confirm arrival Great experience buy with confidence

February 5, 2021 | ""

Fits quite easily - it's a fairly good interlocking mechanism and didn't get much in the way of failure. The board is quite easy to cut with a guillotine or saw so even the tricky bits round corners or pipes don't take too long. Once down the floor is very impressive - nice wide planks with a good variation of patterns and colours within it. This certainly doesn't look like cheap flooring!

December 1, 2020 | ""

Great flooring, well priced and sample sent promptly

November 30, 2020 | ""

Had this floor laid yesterday in my dining room and hallway and it’s lovely, really good quality for the price. In fact we’re looking to buy some and have it all in the bedrooms.
Can’t fault the service either, arrived exactly when it said it would by a nice friendly gentleman.
Would definitely buy from here again!

November 21, 2020 | ""

Looks lovely, exactly how it’s shown on pictures on the website, amazing quality also! Perfect thickness.

November 9, 2020 | ""

Excellent service

November 5, 2020 | ""

quality is 3.5 out of 5, still considering it, but in different share. thanks

October 30, 2020 | ""

Stunning flooring and I can’t believe the price! It’s so reasonable, will be ordering again soon .

October 22, 2020 | ""

Lovely flooring exactly the right colour and easy to install even for complete novices! Great company and would use their services again

October 19, 2020 | ""

Excellent quality.

October 5, 2020 | ""

This has really changed our room. In a basement flat it is hard to get some brightness to the room. I always looked at the furniture as being the problem and have painted/ redecorated so many times! If only I had realised sooner that the problem was the floor all along! We have changed from a very dated pine looking colour to a modern and sleek grey (Light Grey North Cape). We cannot wait for some snuggly nights in enjoying the room now! We also managed to do it all ourselves which was an added bonus. I have now convinced my husband to do another room as it was so easy so we have some samples on order :)

September 29, 2020 | ""

Amazing laminate floors. High quality !!!

September 25, 2020 | ""

I have not layed my floor yet but did not want to wait to review as I am so impressed with my whole experience. The samples came straight away. Placed my order and was delivered on exact date . I sent a couple of queries by email again answered straight away and put at ease. My laminate is fabulous quality for the price. I was so impressed when it arrived as it was so well packaged. Dont hesitate to buy i would recommend to everyone

September 7, 2020 | ""

Arrived in excellent time, well packaged and as ordered. Super easy process and can’t wait to lay it!

August 22, 2020 | Anonymous

Samples arrrived promptly and really liked one of them, love the fact delivery is free.

August 18, 2020 | ""

Looks lovely

August 18, 2020 | ""

Great feel and texture! Colour was just the same as the photos, really recommend!

July 16, 2020 | Anonymous

Top quality product and really good value for money was exactly what i wanted, ideal if you want to improve your home on a budget.

July 13, 2020 | Anonymous

Lovely. Looking forward to buying

July 12, 2020 | Anonymous

My kitchen fitter advised me to try Discount Flooring Depot for laminate flooring. The quality has been impressive, modern and stylish to enhance my kitchen, plus, the delivery was very quick.

July 4, 2020 | ""

excellent product

June 30, 2020 | Anonymous

Very happy with the flooring Thankyou they laid it this week and it looks nicer down

June 26, 2020 | ""

I ordered a sample of this flooring, to compare this from other sites .
The sample arrived on time . The laminate is so beautiful and a really good quality compared to others I have been . Looking forward to flooring my new home with it .

June 4, 2020 | Anonymous

I ordered a sample of this flooring, to compare this from other sites .
The sample arrived on time . The laminate is so beautiful and a really good quality compared to others I have been . Looking forward to flooring my new home with it .

June 4, 2020 | Anonymous

I ordered a sample of this flooring, to compare this from other sites .
The sample arrived on time . The laminate is so beautiful and a really good quality compared to others I have been . Looking forward to flooring my new home with it .

June 4, 2020 | Anonymous

I ordered a sample of this flooring, to compare this from other sites .
The sample arrived on time . The laminate is so beautiful and a really good quality compared to others I have been . Looking forward to flooring my new home with it .

June 4, 2020 | Anonymous

I ordered a sample of this flooring, to compare this from other sites .
The sample arrived on time . The laminate is so beautiful and a really good quality compared to others I have been . Looking forward to flooring my new home with it .

June 4, 2020 | Anonymous

I ordered a sample of this flooring, to compare this from other sites .
The sample arrived on time . The laminate is so beautiful and a really good quality compared to others I have been . Looking forward to flooring my new home with it .

June 4, 2020 | Anonymous

Wasn’t the easiest to lay, but looks amazing. Tried to colour match with our current hallway and it’s not far off at all!
Lots of compliments.

May 30, 2020 | ""

Very nice floor

May 11, 2020 | Anonymous

I orderd my flooring and it said it was getting delivered on a tue but it came on a Monday I really like the flooring it's easy to keep clean I am going to order more flooring and i am going to recommend you to family and friends

May 10, 2020 | Anonymous

Very modern expensive looking flooring for a very reasonable price! Completely changed my dated room into a modern sleek one. Also very fast and reliable service. Will definitely be ordering from here again in the future!

May 7, 2020 | ""

Professional service, useful instructions, great quality flooring panels! Amazing service overall - Very pleased with the final effect

April 27, 2020 | ""

Nice flooring and easy to use

April 27, 2020 | ""

Excellent flooring, very easy to fit. Also very tough and durable, very good for the price. Delivery was spot on, and even pre 9am.

Would definitely use again, and have already recommended the company.

Very pleased with my purchase.

April 23, 2020 | ""

Great service, quick delivery & amazing products! Our flooring panels are looking fresh and beautiful! Photos will ve sent to social@discountflooring shortly :)

April 22, 2020 | Anonymous

Sent for samples and this was the best quality one hoping to make an order in the future .

April 19, 2020 | ""

Lovely colour & finish. Went together easily.

November 20, 2019 | ""

So far I have only ordered a sample of this flooring. The price is low so I wasn’t expecting the actual flooring to be that good but I was pleasantly surprised, it is a good quality flooring at an amazing price. As soon as my sewing room is finished I’ll be purchasing this great flooring.

October 24, 2019 | Anonymous

8 out of 10

May 7, 2019 | MICHAEL Tallen

March 8, 2019 | Faisal Sheikh

March 8, 2019 | Faisal Sheikh

Great colour, goes perfect with any colour interior.

February 17, 2019 | Charley Ashton

This just looked fabulous

February 15, 2019 | Hayley Hayley

Yes I like the colour very much it’s for my bathroom going to Measure and then I will order Thankyou

January 15, 2019 | Irene Fannon

So pleased with this flooring, heavy duty & looks amazing.

November 20, 2018 | CAROLYN STEGGLES

Fantastic service!

I ordered my 3 free samples on the Thursday and received them on Saturday morning.

Between ordering the samples and receiving them I was emailed by discount flooring and after providing my room measurements I was provided a free quote.

The samples arrived and were great quality (110x200mm), the samples were very accurate when compared with the photos on the website.

I will be ordering my flooring without hesitation.

October 8, 2018 | Andrew Fox

Nice modern look eswel as great design and snake effect pattern very different to your average flooring

October 1, 2018 | Robert Salt

August 25, 2018 | Anonymous

Pleasant surprised with how long it took to arrive and how good a quality it is and the colour is beautiful just to convince the other half now to let me have it in my living room instead if dining room where i was originally want to put it

August 10, 2018 | Anonymous

Nice looking flooring good quality

April 16, 2018 | Anonymous

Beautiful hard wearing great looking floor

April 8, 2018 | Anonymous

The most beautiful flooring I’ve ever seen and will recommend this service provider to my friends and fam as first choice

February 26, 2018 | Den H

What wonderful service with getting samples.

February 25, 2018 | Elaine Levy

Looks good!

February 19, 2018 | Anonymous

January 28, 2018 | Alan Rose

January 24, 2018 | Alan Rose

great colour and good quality

October 27, 2017 | Anonymous

Sydney Grey Oak Laminate Flooring 7mm V-Groove AC3 2.48m2

Excellent product

October 24, 2017 | Tomasz Zajac

Sydney Grey Oak Laminate Flooring 7mm V-Groove AC3 2.48m2

October 24, 2017 | Tomasz Zajac

Excellent prompt delivery. Great quality floors at a very reasonable price!

October 22, 2017 | Anonymous

look's very authentic very pleased

October 22, 2017 | William Sheppard

To say I was surprised by the quality for the money is an understatement. It looks fantastic, well made and just the style/ colour I'm interested in.
To be honest I was only going to do my lounge. But after receiving the sample the hall is being done and I'm looking at different styles for the bathroom and spare room. Carpets goodbye

October 15, 2017 | Paul Womersley


September 19, 2017 | Anonymous

Amazing quality and a decent size for a sample piece. Very pleased overall.

August 19, 2017 | Alexandra Martin

Nice colour. Good quality for the price.

August 18, 2017 | Ross Bodinnar

Ordered for kitchen Fantastic product great customer service after we had missed a couple of broken pieces replacements were sent out no quibble arrived in good time. Product and service excellent so we decided to do living room the same. Again order came when advised, also delivery driver was great as he helped bring flooring into house as I am disabled and would struggle if just left at kerbside. I have recommended to a few friends who saw and liked flooring

July 30, 2017 | Chris Yates

Pattern appeared blurred. Not for me.

July 21, 2017 | Kenneth Gillingham

April 10, 2017 | John Stephens

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.