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Review of the PayPal, PayPal Credit:

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The star of the show: 4 months at 0% interest, always!

It is very easy to use. To me, the best feature is the permanent 0% interest for 4 months on all purchases over £99. It’s a fantastic feature for unexpected expenses and to reserve holidays when there are at their cheapest. The app (using Android) could do with some polishing though. I keep having to fully identify myself with 2-factor auth everytime, even if select the “remember this device” option. It’s a minor thing, but could be improved. Reviewed on: 12th June 2026

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