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Review of the PayPal, PayPal Credit:

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Use it wisely and its beneficial

Having the option to spread those bigger payments out, interest free for 4 months has been really useful to me. I've had no issues with the payments although they do take a long time to actually clear from my account which worries me that the payment hasn't been made on time! The statements are a little bit confusing but I'm organised enough to know what i spent and when and make sure I don't spend more than I can afford to repay during that interest-free period. I wouldn't choose paypal credit as a first choice for smaller payments but its definitely good for the bigger ones. Reviewed on: 7th July 2026

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