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Review of the PayPal, PayPal Credit:

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Hard in the first place, but good once you have it.

Once you have it, it’s good, but I find getting the credit approved in the first place was so hard, ie I never had debt and our house were paid by cash, I was over 60k pa income, I still couldn’t get paypal credit, not until I moved house and got a mortgage, whilst I appreciate it is to do with credit rating, paypal should consider not everyone needed loan and these are the people with the most financial strength. Reviewed on: 15th May 2026

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