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Ash

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Review of the PayPal, PayPal Credit:

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Great too for managing large purchasses

I have been using PayPal Finance (specifically PayPal Credit and their "Pay in 3" / "Pay in 4" options) for over a year now, primarily for managing larger online purchases like electronics, home maintenance tools, and unexpected household expenses. Overall, it is an incredibly convenient financial tool, but it requires strict self-discipline to avoid high interest rates. If you treat it like a strict installment plan—paying off every balance well before the promotional interest-free period expires—it offers fantastic flexibility for managing major expenses. Reviewed on: 8th June 2026

Review of the Zopa, Personal loan:

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Simple and helpful

Very easy application and management tools and staff always ready to help out if necessary. much easier to use than any other bank apps I have been using. Reviewed on: 3rd January 2020

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