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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181148 reviews)

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4.73

Based on 181,148 reviews, last reviewed 13th Sep 2026

54% decrease in 5 star reviews

in the past 90 days

38% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

4

Amazing! Amazing! They give me £1000 on the beginning itself self. Contacting PayPal customer service is also very professional Reviewed on: 13th 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 (181148)

The 0% scheme is brilliant.

The 0% scheme is brilliant. Most retailers offer the 0% for 4 months for purchases of £99 and above and occasionally offer 0% for larger amounts for upto 36 months which makes purchasing more expensive items easier to budget for, all without paying any interest. It's easy to setup a direct debit or pay installments of your chosen amount manually each month. The app is very easy to use, too. Reviewed on: 6th July 2026

Ease of use and very transparent

Ease of use and very transparent Reviewed on: 6th July 2026

Been a member when PayPal was first launched.

Been a member when PayPal was first launched. Now credit but they need to offer bigger limit for big purchases. Reviewed on: 6th July 2026

I like PayPal, it’s straightforward and the options...

I like PayPal, it’s straightforward and the options are easy to see. I think some of the decisions can be opaque though. Reviewed on: 6th July 2026

Handy to have available.

Excellent service, handy to have available. Reviewed on: 6th July 2026

Very easy to use,great customer service

Very easy to use,great customer service Reviewed on: 6th July 2026

I find using PayPal is secure and your money is...

I find using PayPal is secure and your money is safe Reviewed on: 6th July 2026

Easy to manage and clear payment arrangements.

Easy to manage and clear payment arrangements. 0% finance is great for large purchases. Just make sure you don’t miss any payments otherwise you will be penalised. It’s really helped me buy the appliances for my new kitchen. Reviewed on: 6th July 2026

Have had positive experience with PayPal have been u...

Have had positive experience with PayPal have been using for years , I pay everything through PayPal it’s easy to use Reviewed on: 6th July 2026

Very efficient and fast.

Very efficient and fast. I have used it to shop and also send money abroad Reviewed on: 6th July 2026

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