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Amy

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Review of the PayPal, PayPal Credit:

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Easy to apply for credit.

Easy to apply for credit. Virtual card makes it easy to use online and in store. APR is quite high but to be expected given the circumstances of today. Reviewed on: 8th June 2026

Review of the Zopa, Credit card:

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Great credit builder

My credit score is a little sketchy based on an issue I had, out of my control, a few years ago. I’ve struggled to get back on top of things but Zopa offered me a card without hassle and my score is already on the up. So much so that I’ve found it a lot easier to get credit where needed (I’m a lot more cautious these days). The application was amazingly straight forward and the app makes payments and tracking spends so easy. Reviewed on: 21st February 2023

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