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Review of the PayPal, PayPal Credit:

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Overall, a helpful service, but with a few changes...

Good option for using short-term interest-free credit on purchases. It works well for spreading the cost, but the system could definitely be improved. In particular, it would be useful to have the option to target and pay off specific interest-bearing items as they approach the end of their interest-free period. Alternatively, allowing users to automatically prioritise clearing those balances before interest is applied would make it much more user-friendly and help avoid unexpected charges. Overall, a helpful service, but with a few changes it could be much better. Reviewed on: 22nd April 2026

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