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Review of the PayPal, PayPal Credit:

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Easy use, decent service

Paypal credit and Paypal is good generally, very convenient and easy to use. Variety of services and pay later options as well as transfers. The website and app is easy to use, and as far as additional charges they aren't too expensive. I would prefer a bit more flexibility around missed payments, combining two in one on top of a £12 missed fee isn't the best option for catch up payments I've seen from other providers. Get occasional emails to accept or decline increases to limit so something to bear in mind if you struggle to turn down an offer. Reviewed on: 6th April 2026

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