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Review of the PayPal, PayPal Credit:

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Great if you stick to 1 type of credit plans.

I like PayPal credit due to the ability to spread the payment in to 4 interest free payments. With the credit card this is automatic and easy to use. What I do not like though is if you mix terms. Example pay in 4 and a 36 month agreement. You cannot allocate payments resulting in stress and issues when trying to clear the pay in 4 to avoid that interest. So my advice is not to mix credit plans. Customer service is good however can take a little time to resolve if they have to get support from 2nd or 3rd line. Reviewed on: 7th July 2026

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