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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50808 reviews)

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4.91

Based on 50,807 reviews, last reviewed 1st Feb 2026

100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Simple and handy PayPal approved me for credit when NatWest would not, allowing me to make purchases with zero interest for 4 months. Their Pay in 3 service has also b... Read more Reviewed on: 25th January 2026

Latest lowest rating:

1

6M 0 interest is a scam. I opened this account because it offer 6M 0 interest. Im a 0 int person, i refuse to make banks rich and steal peoples money. Mind you, I have the mon... Read more Reviewed on: 1st February 2026

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About this product

PayPal Credit is a reusable digital credit line that can be added to your PayPal wallet and used for eligible online purchases.

Accepted at thousands of online retailers that offer PayPal at checkout, PayPal Credit is a flexible way to pay. Eligible purchases get PayPal’s encryption and 24/7 fraud monitoring, as well as Buyer Protection.

PayPal reviews help you find out what it’s really like to be a customer. If you’ve used PayPal before, you can also leave a review and share your experience.

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PayPal PayPal Credit reviews (50807)

I have never had any problems with PayPal.

I have never had any problems with PayPal. if you haven’t got a bank account connected with them, they always send you reminders. The account you hold with them has all the info you need. Reviewed on: 29th May 2025

Easy to apply, comfortable payment options.

Easy to apply, comfortable payment options. Reviewed on: 29th May 2025

PayPal Excellence!

PayPal provide an excellent service that takes a lot of hassle out of buying things online. Reviewed on: 29th May 2025

PayPal stopped me being scammed .

PayPal stopped me being scammed . I was about to make a transaction and PayPal recognised it as being a scammer. Thank you PayPal. Reviewed on: 29th May 2025

Good service, using it a lot of times and would reco...

Good service, using it a lot of times and would recommend it to anyone Reviewed on: 29th May 2025

No complaints...

No complaints, every purchase is always smooth with no problems. Reviewed on: 29th May 2025

Peace of mind and amazing customer service

I have great peace of mind whenever I buy using PayPal Credit. Not only do I get 4 months interest free but it allows me to purchase gifts or essentials etc without needing to pull the total from my bank balance immediately. On top of these amazing perks, the buyer protection PayPal offers is second to none and of the few issues I've had from sellers or scam sites over the years, their customer service is brilliant at talking you through the process and helping you stay protected for future purchases. Reviewed on: 29th May 2025

Convenient But With Caveats

The Good: - Widely accepted - Works with most UK retailers and international sellers - Buyer protection - Strong fraud coverage for eligible purchases - Instant transfers - Fast payments between friends/family - User-friendly app - Simple interface with helpful spending insights The Frustrations: - Account freezes - Many report sudden restrictions requiring document verification - Exchange rates - Poor GBP conversion rates vs banks (typically 3-4% markup) - Seller fees - Business accounts pay 2.9% + 30p per transaction - Customer service - Lengthy phone wait times; some prefer live chat Recent Improvements: • Faster bank withdrawals (usually within minutes) • New "Pay Monthly" credit option (interest applies) • Better integration with UK banks like Monzo/Starling The Verdict (3.8/5): Still the most convenient online payment method despite its flaws. Best for: - Personal use (sending money securely) - Online shopping protection - Freelancers/small businesses (though fees add up) Reviewed on: 29th May 2025

Flexible Financing Made simple with PayPal Credit

A positive aspect of PayPal Credit is its flexibility and convenience for online shoppers. It allows users to make purchases instantly and pay over time, often with promotional offers like no interest if paid in full within six months on purchases over a certain amount which I appreciate and I’m sure a lot of other customers do too. This can be especially helpful for managing larger expenses or unexpected costs without immediately impacting anybody’s cash flow. Additionally, because it’s integrated directly into PayPal it offers a seamless checkout experience with the added layer of PayPal’s purchase protection for eligible transactions which I appreciate. Reviewed on: 29th May 2025

I always use my PayPal credit for my purchases onlin...

I always use my PayPal credit for my purchases online is save and secure and I've got 3 months interes free. Reviewed on: 29th May 2025

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