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Review of the PayPal, PayPal Credit:

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A Convenient But Pricey Credit Option

I’ve been using PayPal Credit for a few months now, mainly for spreading the cost of larger purchases. The application process was straightforward, and the integration with my PayPal account makes it easy to manage repayments and keep track of my spending. The interest-free period is useful, but once that ends, the interest rate is quite high—so you need to be careful not to carry a balance too long. I appreciate the payment reminders and transparency around due dates. However, I’d like to see more flexible repayment options and lower interest rates after the promotional period. Overall, it’s a helpful tool if used responsibly, but you really need to stay on top of your payments to avoid expensive charges. Reviewed on: 26th May 2025

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