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Chris M

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Review of the PayPal, PayPal Credit:

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my favourite credit option

My only issue with PayPal is the login process with the app. I think because of my security settings, I need to receive a SMS code for every log in, even with a passkey saved on my phone. Other than that, I love using PayPal credit and have the new physical card. The 0% for 4 months over £99 is one of the most useful and reliable credit options I’ve ever had. The peace of mind with a big purchase (ie appliance breaking down) it gives is tremendous. Reviewed on: 18th April 2026

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