The phone was working fine then a bootloop came out of nowhere, some app just installed from the play store (PayPal I think).

I tried clearing cache partition and then doing safe mode, still got bootloop so I factory reset it. Seemed to work for a while then I got bootloop for no reason - literally nothing changed and it would start again. I have factory reset it and installed/changed NOTHING and it will still bootloop out of nowhere requiring yet another factory reset.

I haven't flashed/fucked with anything firmware wise in over half a year (and it was working fine until about a week ago).

Has anyone experienced this/has any advice? I'm definitely switching from Samsung after this regardless, this has left me too bitter. Thing is I need to have a working phone (that can go >12 hours without a factory reset) for a month or two to save for a new one.

I'm guessing maybe it is a hardware error, but I didn't drop it/do anything physically to cause the first bootloop. Besides, I'm out of warranty now I imagine, so I'm fucked right?