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Review of the PayPal, PayPal Credit:
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I find PayPal credit easy to use as it’s available a...

4
I find PayPal credit easy to use as it’s available across many different retailers and the app allows me to monitor with ease. The interest rate is higher than I’d like so I don’t tend to use PayPal often, it’s more of a backup option. They also add on a late repayment fee of £12 whereas most other credit cards it’s £7 Reviewed on: 7th July 2026

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