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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

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4.73

Based on 181,154 reviews, last reviewed 29th Sep 2026

65% decrease in 5 star reviews

in the past 90 days

53% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Best Customer service Best Customer service, and great value. Reviewed on: 29th September 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd July 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 (181154)

Quick and easy

No bells and whistles like a traditional credit card company, works perfectly for online transactions. Can be trusted highly! Reviewed on: 2nd August 2023

Great and no complications

It's easily accessible and secured Reviewed on: 2nd August 2023

Great clear product

Easy to set up, use and manage. Straight forward and clear Reviewed on: 1st August 2023

Good credit option for small purchases

I have been using PayPal for purchasing small items with credit available. Over the year I made multiple purchases over 100£ and have been able to split the payments for these over 4 consecutive months which was very helpful with budgeting. They have increased my credit limit after some time which also ended up to be helpful. Paypal also offers occasional offers and benefits like extra cash for making first payment in the Google store. Overall, PayPal is a very useful credit and payment instrument and recommend it to anyone in the UK. Reviewed on: 1st August 2023

Fantastic offers

Always trustworthy and offer great credit offers. Reviewed on: 1st August 2023

Using for years!

Use PayPal credit on a regular basis, its a great way to spread any purchases that are over £99 to gain interest free for 4 months, really easy to use and the app is easy to understand also. Reviewed on: 1st August 2023

Paypal Credit great for budgeting

PayPal Credit great for spreading out large costs interest free, customer service staff always friendly, helpful and knowledgeable. Have recommended to family and friends Reviewed on: 1st August 2023

The 4 month no interest is the best

I enjoy using it and buy what I love most Reviewed on: 1st August 2023

4 Months Interest Free Credit

Two excellent flexible credit products:- 1) PayPal Credit First four months interest-free on purchases over £99 and then 23.9% 2) PayPal Pay in 3 3 interest free payments over 3 months Reviewed on: 1st August 2023

Best credit at 0% interest

PayPal credit has helped me get all my new tech and spread the cost over 4 months, interest free, making my expensive technology needs more affordable. Reviewed on: 1st August 2023

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