PayPal Credit approved in 2 minutes. Move the money to Revolut. Spend on food and essentials. Repay before interest. Zero cost if you play it right. Every step is here.
⚠️ Not for people already in debt • ✅ Interest-free if repaid on timeA legal, legitimate way to create a short-term float when you are temporarily skint.
PayPal Credit is a credit line inside your PayPal account. When approved, you can move that balance into Revolut as real spendable cash instantly. You have days or weeks to use it for food or essentials, then repay before interest is charged.
Think of it as an interest-free short-term loan you arrange yourself in minutes. No calls. No paperwork. It only works if you repay in full before interest kicks in. Miss that date and it becomes 23.9% APR. This is a bridge for people with income coming in — not a fix for people already in debt.
Takes about 10 minutes to set up the first time.
Open the PayPal app or paypal.com. Find "PayPal Credit" under Products or Wallet. Apply — usually approved instantly. Limits typically range from £100 to £1,500+.
In PayPal, go to Wallet and add your Revolut card or bank details. Once linked, you can send money from PayPal Credit directly into Revolut.
In PayPal, send money to your linked Revolut account. Choose PayPal Credit as the funding source. Money arrives in Revolut usually within minutes. It is now spendable cash.
Use Revolut to pay for food, bills, Too Good To Go, ASDA — whatever you need. Works anywhere Mastercard is accepted.
PayPal Credit has an interest-free period. Check your own account for the exact due date and set a reminder now. Pay the full balance before that date. Full balance = zero interest. Any balance left over = 23.9% APR immediately on the remaining amount.
Curve is a card that sits on top of your other cards. The idea: pay with Curve (which charges Revolut), then use Curve's "Go Back in Time" to reassign the charge to PayPal Credit after the fact. This may extend the window before PayPal Credit needs repaying.
Curve is also a backup card regardless. If your main card is cancelled or lost, Curve gives you instant access to a different account. Always have two cards. Never be stranded.
💳 Get Curve Free + 1% Cashback →⚠️ Tom thinks the Curve layer extends the repayment window but is not 100% certain. Check Curve's current "Go Back in Time" terms before relying on this. The PayPal → Revolut core trick is confirmed — the Curve extension needs your own research first.
Already in debt? Go to no-loans alternatives and break the cycle instead.
Even if you never use the PayPal trick — Curve is worth having.
If your bank cancels your card, Curve gives you a second card drawing from a different account. Always have two cards. Never be cashless because of one card problem.
Made a purchase and wish you used a different card? Curve lets you switch which card took the hit — within a limited window. Useful for managing credit lines.
Skip foreign transaction fees abroad. Pair with Revolut for a zero-cost travel money setup.
Sign up via referral and get 1% cashback on all spending for the first 30 days. Stack with TopCashback and Complete Savings.
Get Curve →