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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181155 reviews)

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4.73

Based on 181,155 reviews, last reviewed 5th Oct 2026

75% decrease in 5 star reviews

in the past 90 days

73% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

been useing paypal for years and years been useing paypal for years and years Reviewed on: 5th October 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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Awards

Best retail finance provider 2026

Awarded to the retail finance provider rated highest in customer reviews.
Best credit app 2026

Awarded to the credit union rated highest in customer reviews for their app

PayPal PayPal Credit reviews (181155)

Payment service you can trust.

Very trusted and safe service for buying and payment services. Reviewed on: 7th July 2026

PayPal is great

PayPal is great and is easy to use Reviewed on: 7th July 2026

Excellent

They have been so helpful, their service is top notch Reviewed on: 7th July 2026

No issues at all.

No issues at all. Does what it says on the tin. Reviewed on: 7th July 2026

Very easy and reliable secure payment also benefits

Very easy and reliable secure payment also benefits Reviewed on: 7th July 2026

excellent service ,no complaints

excellent service ,no complaints Reviewed on: 7th July 2026

PayPal Credit is a reusable digital line of credit i...

PayPal Credit is a reusable digital line of credit integrated directly into your PayPal wallet, primarily built for online shopping. Its key appeal is automatic 0% interest for 4 months on purchases of £99 or more, though high standard interest rates apply if balances are not cleared in time.Key Benefits0% Interest Window: Enjoy 0% interest for 4 months on any eligible single purchase of £99 or more. You can use this repeatedly, provided you keep up with minimum monthly payments.No Annual Fee: Setting up and holding the account comes with zero annual fees.Buyer Protection: Eligible purchases are backed by PayPal Buyer Protection, offering security against fraud and item disputes.Seamless Checkout: Fully integrated into the PayPal checkout, eliminating the need to type out long card numbers for supported retailers.Expanded Acceptance: Depending on your region, you can opt into a linked Mastercard that allows you to use your PayPal Credit limit at standard brick-and-mortar and online stores.Review & ConsiderationsHigh Standard APR: If you do not pay off your purchases within the 4-month promotional window—or if you buy something for less than £99—you will be charged interest at a high, standard variable rate.No Ongoing Rewards: Unlike traditional credit cards, it does not typically offer ongoing cashback or travel points on your spending.Customer Feedback: According to financial platforms like Smart Money People, the service is widely praised for its simple setup and user-friendly payment tracking. However, as with other PayPal services, some users experience frustration with automatic payment defaults at checkout and occasional account management quirks.Expert VerdictPayPal Credit is an excellent, flexible financing tool for disciplined buyers who strictly plan to pay off their large purchases within the 0% interest period. However, if you rely on minimum payments or want to earn cash-back rewards, a traditional rewards credit card might be a better fit.Paypal Credit, too good to be true? - Reddit13 Apr 2024 — Account Management Challenges: Some users have reported issues with managing multiple purchase types, specifically with smaller purchases potentially not qualif...RedditPayPal Cards and Credit Products | Credit Services | PayPal UKFlexible ways to pay Shop with PayPal Credit and get 0% interest over 4 months every time you spend £99 or more in store or online. Or try a Pay in 31 plan that...PayPalRead Customer Service Reviews of www.paypal.com - Trustpilot ReviewsYou purchase something through Paypal credit and have promotional offer but if there is any partial refund, they incorrectly deduct the partial refund and still...TrustpilotPayPal Credit cardeveryday purchases * Interest-free. Enjoy 0% interest for 4 months when you spend £99 or more. Applied automatically, again and again. * No annual fee. No annua...PayPalLearn More About Your PayPal Credit Account | PayPal UKThere is no annual fee for a PayPal Credit account. PayPal Credit offers the following benefits: * **0% interest** Get 0% interest for four months on purchases ...PayPalPayPal PayPal Credit reviews | 156705 reviews rated 4.73* - Smart Money PeopleThe application process was simple, payments are easy to manage, and everything has been clear and straightforward. I appreciate the flexibility it offers for l...Smart Money PeoplePayPal Credit | Frequently Asked Questions | PayPal UKHow do I use my credit card when I receive it? You can use your virtual card online and if you have requested a physical card, this can be used in store or onli...PayPalWhat is PayPal Credit? - Finder UK14 Dec 2023 — If you're a fan of PayPal and you're looking to borrow on credit, PayPal Credit might be worth a look. A big selling point is that each eligible purchase attrac...finder.comPayPal Credit reviews - Smart Money PeopleAbout this product. PayPal Credit is a reusable digital credit line that can be added to your PayPal wallet and used for eligible online purchases Reviewed on: 7th July 2026

I use pay pal credit all the time for purchases I fi...

I use pay pal credit all the time for purchases I find it simple and efficient, especially for online purchases it makes me feel more secure Reviewed on: 7th July 2026

Easy to use and pay and also had someone on the pho...

Easy to use and pay and also had someone on the phone when there was a problem Reviewed on: 7th July 2026

Very accessible, widely available for purchases and...

Very accessible, widely available for purchases and services with no restrictions Reviewed on: 7th July 2026

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