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Mandy Sheppard

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Review of the PayPal, PayPal Credit:

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Great for spreading the cost of online purchases

Great for spreading the cost of online purchases if you manage it correctly! The 0% interest period on purchases (like the 4-month or 6-month deals) is a massive help for budgeting. It’s incredibly easy to use at checkout. However, the standard interest rate is very high, so make absolutely sure to pay off your balance before the promotional window ends Reviewed on: 11th June 2026

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