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Addie Ryan

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Review of the PayPal, PayPal Credit:

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Good offers whenever I buy certain electronics, 0% i...

Good offers whenever I buy certain electronics, 0% interest over 12-24 months. Otherwise same as most credit lenders. The main issue I encountered with their credit line is that if I have bought something for £960 on 0% interest split over 24 monthly installments at £40/month, and some months later something else at their usual interest, whenever I make a larger payment than the monthly payment, for example £100, they'll not split the money as £40 for the monthly payment and £60 to cover the purchase I made at a later time, but they'll use the entire amount to cover the oldest purchase, in this case the one with 0% interest. So, in this way, they'll make more money. Same thing happened when I have had made a purchase in installments, with 0% interest, and the I made another purchase using their usual interest fee. When I cancelled the second purchase, they allocated the money to the first purchase instead of writing off the one I've cancelled. Reviewed on: 7th July 2026

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