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PayPal is a name almost everyone recognizes by now, but it does offer its version of Buy Now Pay Later. PayPal offers a credit line, which requires a hard credit check for approval and is reported to the three credit bureaus. If approved, you have up to six months to pay interest-free, no matter how much you pay upfront or each time. It’s accepted anywhere a merchant accepts PayPal.
The PayPal credit is instant and upfront, so you don’t have to wait for a plastic card to arrive in the mail. And as long as you pay it in full within six months and stick to your credit limit, then you are not subject to any payment terms or interest rates.
Pros
The PayPal credit is instant and upfront, so you don’t have to wait for a plastic card to arrive in the mail. And as long as you pay it in full within six months and stick to your credit limit, then you are not subject to any payment terms or interest rates.
Pros
- Up to 6 months with 0% interest
- Can be used wherever PayPal is accepted
- Instant approval and use of credit line
- Hard credit check required