jou PayPal Credit Hersiening vir 2023

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Welkom by jou uiteindelike PayPal Credit resensie.

As jy op soek was na 'n rente-lae besigheidslening, weet jy waarskynlik dat jou opsies redelik beperk is. Deesdae is dit nie juis maklik om kapitaal vir jou maatskappy in die hande te kry nie. Dit is veral waar as jy nie 'n lang geskiedenis in jou gekose mark het nie.

Gelukkig PayPal Credit kan hier wees om te help.

Sedert 2016 PayPal Credit het kliënte en maatskappye 'n kans gegee om toegang tot ekstra geld te kry om aankope te doen. In eenvoudige terme beteken dit dat jou PayPal-rekening soos 'n digitale kredietkaart kan werk. Net soos met enige kredietkaart, as jy jou balans binne die toepaslike tydperk betaal, hoef jy glad nie enige rente te betaal nie.

If you’re making purchases, either for yourself or your business, of over $150, sal u rentevrye tydperk tot vier maande styg - al wat u hoef te doen is om u minimum terugbetalings te doen.

paypal credit tuisblad

So, where’s the catch?

Wel, PayPal Credit, soos enige uitleengeleentheid, het dit ook die hoogte- en afslag.

Lees deur ons PayPal credit resensie vir die agter-die-skerms scoop.

PayPal Credit Hersiening: Die uitleenopsies

Let’s start with the basics, what kind of credit can you get from PayPal?

Wel, basies, PayPal Credit laat jou toe om items nou te koop en later daarvoor te betaal. Solank jy meer as ’n spesifieke bedrag bestee, behoort jy die geld wat jy gebruik oor tyd terug te betaal, sonder om oor dinge soos rentefooie bekommerd te wees.

Essentially, you can shop anywhere that PayPal is accepted, and you’ll get 6 months of financing on any purchase meer as $ 99.

Die groot ding oor PayPal Credit is that you’re not restricted in what you can use it for. There’s no specific purchase that you need to make. You have the freedom to decide where and how you want to use the money.

What’s more, all you need to do to avoid any huge expenses is make sure that you pay back whatever you borrow within six months or less.

PayPal Credit Hersiening: Gebruiksgemak

PayPal Credit is ontwerp om daar te wees wanneer jy dit die nodigste het.

If you’re approved for your line of credit, then it will be applied automatically to your account. All you need to do is choose “PayPal” when you go through the payment process on a website where PayPal is accepted. From there, you’ll have the option to use your existing PayPal balance, or request credit.

PayPal will ask you to answer a couple of questions. You’ll need to enter your social security number and your date of birth to accept the terms and conditions of your credit.

Fortunately, you don’t have to wait for long to figure out whether you’ve been approved for your cash or not. PayPal Credit sal jou binne 'n kwessie van sekondes 'n goedkeuring gee.

As jy versoek om te betaal vir iets met PayPal Credit en die transaksiebedrag sal veroorsaak dat jy oor jou limiet gaan, sal die stelsel ook kyk of dit 'n kredietlimietverhoging kan verskaf, sodat jy kan voortgaan met jou aankoop.

PayPal Credit Hersiening: Aansoek

When it comes to applying for quick credit, either for your business or personal life, it doesn’t get much simpler than PayPal Credit.

You’ll get a decision on whether you’ve been approved in seconds, and if you are approved, the money goes straight into your account, so you can carry on with any purchases that you need to make in record time.

Hoe kan u u kanse verhoog om goedgekeur te word?

Well, first of all, it’s best to make sure that you have the highest credit score possible. Any credit provider, even digital brands like PayPal, needs to check your credit before approving you for a loan.

Additionally, you’ll need to have a standard PayPal rekening opgestel (lees ons volledige PayPal-hersiening). PayPal accounts are free and easy-to-use, but you can’t start applying for credit without one. You may also need to verify your account, which means uploading a piece of government-approved ID.

Once you have your PayPal account set up, you’ll need to fill in a short application form. This only takes a few minutes, and it allows PayPal to run an automated credit check too. If you’re approved, you’ll have your credit limit linked to your account. Usually, PayPal Credit begin jou by $250 om jou aan die gang te kry. If you need more money than that, you’ll need to request it.

Van kardinale belang, terwyl jy aansoek doen vir PayPal credit is a relatively smooth and straightforward experience, you can’t know for certain whether you’re going to be approved before you hand over your detail. This means that once the full check of your credit is completed, if PayPal doesn’t accept you, then you’ll be left with a black mark on your credit history.

If you’ve ever tried to apply for credit before, you’ll know that the more you’re rejected by lenders, the harder it is to get credit cards and other loans in the future.

👉 Om u kanse op die lening wat u benodig te verbeter, maak seker dat u:

  • Ten minste 18 jaar
  • A resident of the country you’re applying for credit in
  • Het 'n jaarlikse en gereelde inkomste
  • Is vry van enige CCR's of bankrotskappe
  • Het u kredietgeskiedenis redelik goed

PayPal Credit Resensie: Rentevrye aanbiedinge

Tans, PayPal Credit bied die geleentheid om $ 99 of meer vir ses maande te leen sonder om rente te betaal. Dit was vroeër 'n aanbod van $ 6 vir vier maande, maar dit is duidelik dat PayPal hul kliënte nog meer vryheid wou gee as hulle by kredietaansoeke kom.

Van wesenlik belang kan u steeds geld by PayPal sonder rente leen vir aankope van onder $ 99 ook. You just need to make sure that you’ve paid your full balance by the payment date on your statement to avoid any charges.

PayPal sends you email reminders when you’re due to make a payment, to reduce your chances of accidentally forgetting to pay up.

Die 6-maande-aanbod vir betalings meer as $ 99 means that you can buy a range of items and pay nothing for them for a while. As long as you’ve covered the balance within 6 months, then all you need to do is make minimum monthly repayments, and you can avoid interest.

U minimumbetalings is gewoonlik ongeveer 1% van u uitstaande saldo per maand, of $5 (depending on what’s higher).

If you’re buying crucial materials for your company, PayPal Credit is a great way to spread some costs – particularly for smaller businesses. However, it’s worth noting that the variable purchase APR for people who don’t pay what they owe within 6 months is huge. You can expect an APR of 26.24%!

Die nasionale gemiddelde vir April-tariewe het in 2018 'n hoogtepunt van 16.71% bereik. Maar PayPal Credit’s fees are even higher than that.

There’s also a risk that if you fail to pay what you owe on time, PayPal Credit sal jou ook laat fooie hef, wat leen by die aanlyntransaksiehandelsmerk selfs duurder maak.

PayPal Credit Resensie: Bestuur PayPal Credit

Bestuur en gebruik PayPal Credit is very similar to having a store-based credit card. If you’ve ever used credit to pay from an item from a vendor, and paid off what you owed over time, then you’ll know what this feels like.

The main difference is that with store credit, you’d have to go through a credit check and fill out an application from every store you want to buy from. On top of that, there’s the stress of having to keep several payment strategies in mind. With PayPal Credit, you have the freedom to shop anywhere that PayPal is accepted. These days, it’s tough to find many significant companies that don’t take PayPal as a form of payment.

Additionally, it’s worth noting that PayPal does help you with managing and using your credit in several different ways.

👉 Byvoorbeeld:

  • Purchase protection: You can get a refund for your item if you think it doesn’t match the description provided or it doesn’t arrive as and when it’s supposed to.
  • Return shipping: If you’re unhappy with your order, PayPal can sometimes refund the cost associated with sending that item back.
  • One-tap checkout: You’ll be able to complete your transactions with just a touch – making your fast-paced life a little easier.

Boonop bied PayPal, soos enige kredietkaart of lening, ook maandelikse state op u kredietkaart, sodat u kan kyk hoe naby u is om af te betaal wat u ook al skuld.

PayPal Credit Resensie: Die fynskrif

The fine print on a credit or loan solution is vital to consider whenever you’re borrowing money. Whether you’re accessing credit for personal and business reasons, it’s worth being aware of any hidden fees that might come your way.

One good bit of news is that there isn’t any annual fee if you want to use your line of credit with PayPal. However, you will need to pay late charges if you miss payments when you’re supposed to. You can pay anywhere up to $ 35 vir elke gemiste betalings – so it’s essential to be vigilant.

Another point to keep in mind is that the PayPal interest rate is variable. That means that the one you get when you apply might not be the same as the interest rate we’ve written here. Sometimes, you may start with a lower promotional price before the standard APR kicks in.

Interessant genoeg, PayPal Credit gee jou wel die opsie om jou krediet te gebruik om geld te stuur – although we wouldn’t recommend using this solution.

Remember, if you don’t think that you’re going to have the money you need to pay off whatever you owe within the financing period, you’ll usually be better off with a low-interest credit card. While PayPal Credit offers a good deal for some smaller business making small purchases – it does have some hefty interest rates to consider if you can’t take advantage of the interest-free offer.

PayPal Credit Hersiening: Maak betalings

Die beste ding wat jy kan doen om die meeste uit jou PayPal Credit experience is ensure that you’re making your payments on time.

Fortunately, PayPal will send you reminders over email to ensure that you’re more likely to do this. When you get your reminder, you’ll have two ways to make your payments. Your first option is to make a simple one-off payment at any time by contacting the PayPal Customer Service team.

The easier option, in our opinion, is to set up direct payments each month. This will help you to pay whatever you owe in reasonable installments, without having to worry about going over your free interest period. Remember, you’ll need to pay at least the monthly minimum each month, but you also need to get rid of your full balance before the 6 months is up.

Although most people will start with a limit of $250 to borrow on their payments, there’s a chance that you can apply for more than this. It’s possible to get around $ 1200 krediet afhangende van u inkomste en u kredietwaardigheid.

PayPal Credit Resensie: Is dit beter as 'n kredietkaart?

So, is PayPal Credit beter as om net 'n standaard kredietkaart te gebruik?

Wel, dit hang af.

Een van die grootste voordele van PayPal Credit is that it allows you to make online purchases very quickly. You don’t need a physical card that you have to take with you and swipe at local stores. PayPal’s Credit option is specifically designed for people who conduct most of their transactions online.

Wat meer is, PayPal Credit kan veiliger wees as om 'n konvensionele kredietkaart te gebruik. Die tegnologie wat gebruik word om betalings deur PayPal te verwerk, verberg jou persoonlike information, which means it’s very unlikely that anyone will be able to gain access to your finances.

Eerder as om jou besigheidskredietkaart of persoonlike debietkaart in te sluitformation into a site that may or may not be secure, you’re using a third-party payment processor. This offers an additional layer of security that may be able to protect you against theft and fraud.

Daarbenewens PayPal Credit has that incredible 6 months offer that allows you to make your purchases without having to worry about any interest payments. It’s challenging to find the same kind of offer online without having to jump through numerous hoops – particularly if you’re looking for basic funding options for your business.

Ongelukkig, PayPal Credit has some downsides too. There are no reward points that you can put towards your everyday spending or airline miles as you can get with some standard credit cards. Additionally, while most credit cards have relatively high APR rates, PayPal’s interest fees may still be higher than most.

PayPal Credit Voordele en nadele

👍 Voor:

  • Onmiddellike toegang tot krediet wanneer u dit die nodigste het
  • Eenvoudige en vinnige kredietgebaseerde inkopies aanlyn
  • Fantastiese 0% rente vir 6 maande as u meer as $ 99 spandeer
  • Baie handelsmerke aanvaar 'n maklike manier om te koop aangesien PayPal aanvaar word
  • U kan die koste van groot aankope versprei oor 'n skedule wat u pas
  • Betalingsaanmanings sal u help om betalings wat ontbreek te vermy
  • Daar is direkte debiete beskikbaar om u terugbetalings te outomatiseer
  • PayPal Credit gebruik gevorderde beskerming en enkripsie om jou data te help verdedig
  • U kan u PayPal Credit rekening enige plek, selfs vanaf jou slimfoon

👎 Nadele:

  • Getting support from the PayPal team isn’t always easy
  • You’ll end up with a mark on your record if you’re not approved for credit
  • You won’t get any reward points with your purchases
  • Die rentekoers is redelik hoog as u oor die rentevrye tydperk gaan

PayPal Credit Uitspraak: Is dit reg vir jou?

If you’re looking for a quick and easy way to access extra money for personal or business expenses, then PayPal Credit may be a great choice. It’s incredibly easy to make purchases on the PayPal Credit stelsel, en jy het die vryheid om ook by talle groot kleinhandelaars inkopies te doen.

Dit is egter ook die moeite werd om daarop te let PayPal Credit isn’t perfect. The interest rates are quite high if you don’t pay what you owe within the designated period. Additionally, the fact that you can make purchases in a single click might not be a good thing for people who tend to over-spend.

PayPal Credit is best for people who need to do a lot of shopping online and want to spread the costs of their purchases out over a schedule that they can manage more effectively. Like any line of credit, you’ll need to use PayPal Credit versigtig om jou finansies te beskerm. As jy egter die regte strategie in plek het om jou terugbetalings te maak, PayPal Credit kan 'n vinnige en maklike manier wees om geld te leen sonder om buitensporige rentekoerse te betaal.

Het jy al probeer gebruik PayPal Credit nog? Laat weet ons hoe jy die ervaring gevind het in die kommentaar hieronder, of sluit aan by die bespreking met ons op sosiale media.

Rebekka Carter

Rebekah Carter is 'n ervare inhoudskepper, nuusverslaggewer en blogger wat spesialiseer in bemarking, sake-ontwikkeling en tegnologie. Haar kundigheid dek alles van kunsmatige intelligensie tot sagteware vir e-posbemarking en toestelle vir uitgebreide werklikheid. As sy nie skryf nie, bestee Rebekah die meeste van haar tyd aan die lees, om die buitelewe te ontdek en te speel.

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