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Emma R

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Review of the PayPal, PayPal Credit:

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Best short-term line of credit I know

Really convenient way to fund purchases over £100 with zero interest (if you repay within 4 months). Honestly the best method for short-term credit options. Slightly better option than the standard pay-in-3, but you have more flexibility to pay your desired instalment amount. Just make sure you pay the balance before the 0% interest offer runs out. Combined with the PayPal Credit card, I can also take advantage of PayPal Credit, even if the retailer doesn't accept PayPal! Reviewed on: 15th May 2026

Review of the PayPal, PayPal Credit:

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Purchase protection with added credit functions

I have used PayPal for years now for general purchasing - PayPal gives you added peace of mind that if something goes wrong, they will help you to put it right. More recently, I've been using PayPal Credit and Pay-in-3 to spread the cost of bigger purchases with zero interest. Very handy! Reviewed on: 13th June 2025

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