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Hello, pp2you. Thanks for taking the time to post your question here on the PayPal Community Forum. Knowing how you need to pay off your PayPal Credit balance to avoid interest charges is a definite concern!
Good news! You may indeed pay off the full amount before the four-month deadline. Interest will be incurred only if there's a balance remaining after the four-month period. Please check out the FAQ section of the PayPal Credit website at https://www.paypal.com/uk/webapps/mpp/paypal-virtual-credit for more information.
Thanks for being a part of the PayPal Community!