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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (171776 reviews)

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4.73

Based on 171,506 reviews, last reviewed 8th Jul 2026

1427% increase in 5 star reviews

in the past 90 days

1438% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal is a easy and safest way to pay. PayPal is a easy and safest way to pay. Reviewed on: 8th July 2026

Latest lowest rating:

1

Was charged £12. Vague reason Was charged £12.00 and the explanation was vague. Have never used PayPal as much as I should and am very careful to not get charged anything. This is ... Read more Reviewed on: 8th 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 (171790)

I've been using PayPal Credit for over three years,...

I've been using PayPal Credit for over three years, and it has become my preferred way to finance larger purchases. I use it almost every month for higher-value items, particularly electronics and other planned purchases, as well as unexpected expenses such as car repairs. The four months of interest-free credit has been one of its biggest advantages for me. Because I budget my repayments around that period, I'm usually able to clear the balance before any interest is charged. Working shifts means my income and expenses can vary throughout the month, so having four months to spread the cost gives me flexibility without putting pressure on my finances. I have even enjoyed some longer interest free duration of up to 12-24 months on some partner merchant like eBay and Honor UK. The introduction of the PayPal Credit card made the service even better. Before that, I could only use PayPal Credit with a limited number of merchants, most of which were online like Honor, Apple, Dyson etc. Although there were workarounds, such as linking it to a Curve card, they relied on third-party services. Having a Mastercard linked directly to my PayPal Credit account has made it my preferred payment method for larger purchases because I can use it at far more retailers online and offline with confidence. I also like earning PayPal points when using the card. Whenever I'm considering a significant purchase, I compare my payment options, and PayPal Credit is often the one I choose, even when I have other credit cards available. It has also been particularly valuable during unexpected situations. On two separate occasions when my car needed urgent repairs, PayPal Credit allowed me to get the work done immediately and spread the cost over the following months without paying interest, which significantly reduced the financial stress at the time. Reviewed on: 6th July 2026

I think PayPal is a great secure way to pay and give...

I think PayPal is a great secure way to pay and gives peace of mind when making online purchases. It’s makes it very easy to pay and gives instant updates and security. I would definitely recommend. Reviewed on: 6th July 2026

Paypal credit has been fantastic for me.

Paypal credit has been fantastic for me. Using pay in 3 or having interest free over 4 months has really helped me renovate my house. I bought a new kitchen in January and having the flexibility to spread the cost meant I didn’t have to worry about anything unexpected popping up. Reviewed on: 6th July 2026

Fast, Secure & Reliable

I’ve been using PayPal for years, and it’s always been fast, secure, and easy to use. It makes online payments simple, and I’ve never had any issues. Highly recommended! Reviewed on: 6th July 2026

Quick, easy way to checkout online and pay.

Quick, easy way to checkout online and pay. The buy now pay later aspect is really good as the pay in 3 is very beneficial and for bigger purchases, spreading overt 4 months interest free is so good, especially at Christmas! Reviewed on: 6th July 2026

Brilliant.

Brilliant. I have PayPal over 15 years, and all the time they giving more choices Reviewed on: 6th July 2026

Staff are very friendly polite and helpful.

Staff are very friendly polite and helpful. They will go out of their way to solve your problem. If they can’t then they will refer to their manager. Reviewed on: 6th July 2026

SAFE ANDEASY APP TO USE WOULD RECCOMMEND TO USE WHEN...

SAFE ANDEASY APP TO USE WOULD RECCOMMEND TO USE WHEN BUYING ANYTHING ONLINE Reviewed on: 6th July 2026

Highly recommended

Always easy and safe to use. Great range of services Reviewed on: 6th July 2026

Excellent service and access.

Excellent service and access. The app is very easy to use and manage. Reviewed on: 6th July 2026

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