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Brendan H

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Review of the PayPal, PayPal Credit:

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Fabulous facility to be used wisely.

Bottom line is this is a fabulous facility which enables the individual to procure goods and spread the costs of repayment (interest free) over a four month period following the purchase. Sometimes you spot an item that you genuinely want or need and in normal circumstances you have to consider whether it is prudent (or not) to hit the 'Buy it Now' button due to other financial commitments you may actually have at the point of purchase. With PayPal Credit you can comfortably push that button in the knowledge that you have four full calendar months to repay the amount totally interest-free and an extended period beyond that to clear the loan at a favourable rate. In my experience you should ideally only restrict usage to buy essential goods that don't usurp your total credit limit so that it always remains comfortable to repay. In summary accordingly it is an overall fabulous facility to have available and to use wisely, with some discipline. Reviewed on: 3rd May 2026

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