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Joe J

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Review of the PayPal, PayPal Credit:

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PayPal credit review

Pros Easy to use within PayPal 0% interest for ~4 months on purchases over £99 No annual fee Flexible repayments Cons High interest (~23.9% APR) if you don’t pay in time Can charge interest on the full amount after the promo Late fees and credit score impact Weaker protection than credit cards Bottom line: Good for short-term spending if you pay it off on time — expensive if you don’t. Reviewed on: 23rd April 2026

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