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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50807 reviews)

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4.91

Based on 50,806 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 (50806)

Good vibes only lol

First and foremost, the ease of application and approval for PayPal Credit was impressive. The process was straightforward, and I received quick confirmation of my credit limit, which allowed me to begin using the service almost immediately. This streamlined approach eliminated the typical hassles associated with applying for credit, making it accessible and efficient. Once approved, using PayPal Credit has been remarkably simple. The integration with my PayPal account means I don't have to enter my credit card details every time I make a purchase. This seamless integration saves time and adds a layer of security, as my financial information is already stored within the trusted PayPal system. The option to view my Credit Agreement directly from my account is also a great feature. One of the standout benefits of PayPal Credit is the flexibility it offers. The ability to spread the cost of purchases over time has been incredibly helpful, especially for larger items. I have found the monthly statements to be clear and easy to understand, detailing my transactions, minimum payment due, and the due date. The reminders are also very helpful to prevent missing a payment and incurring late fees. Setting up automatic payments with Direct Debits has been a fantastic way to ensure I never miss a payment. The customer service for PayPal Credit has also been exemplary. On the occasions I have had questions, contacting customer service on 0800 368 7155 was straightforward, and the representatives were helpful and knowledgeable. Their availability from 8 AM to 6:30 PM Monday to Sunday ensures that assistance is readily available when needed. I also appreciate the security measures PayPal has in place. The reminders that PayPal emails will always include my full name helps me stay vigilant against phishing attempts, and the overall security of the PayPal platform gives me peace of mind. I feel confident using PayPal Credit knowing that my financial information is well-protected. Furthermore, the transparency regarding interest rates and late fees is commendable. I always feel informed about my financial commitments, which helps me manage my finances responsibly. The allocation of payments to purchases with the highest interest rates first is a thoughtful feature that helps minimise overall interest charges. In conclusion, my experience with PayPal Credit has been overwhelmingly positive. The service's convenience, flexibility, security, and excellent customer support make it an indispensable tool for online shopping. I highly recommend PayPal Credit to anyone looking for a reliable and user-friendly credit option. Thank you, PayPal, for providing such a fantastic service Reviewed on: 28th May 2025

A helping hand

Any time I have had an issue they've always made things simple and understand my issue and has a response to help. Reviewed on: 28th May 2025

Very good experience, very easy.

Very good experience, very easy. Reviewed on: 28th May 2025

I find it useful in spreading the cost out

I find it useful in spreading the cost out Reviewed on: 28th May 2025

PayPal Makes Shopping Easy and Flexible!

I've been using PayPal for years, and it's by far one of the most convenient and secure ways to shop online. What I love most is the Pay in 3 feature — it allows me to split my payments into three interest-free installments, which makes managing my budget so much easier. It’s fast, reliable, and I never have to worry about hidden fees. I shop frequently using PayPal and I truly appreciate how seamless the experience is across different websites and apps. Highly recommended for anyone who values flexibility and peace of mind while shopping online! Reviewed on: 28th May 2025

Quick and Easy.

Quick and easy to use. Informative and easy to make payments. Reviewed on: 28th May 2025

Easy to use, but payments could be handled better

Easy way to use credit, as it is all automatic and most online shops will accept it as payment. The only down for me is the statements are not very clear and the payments take a long time to complete. Also, I always pay more than the minimum every month and way ahead of time, but forgot to do it once because I was abroad and got charged £12 immediately. Seemed quite unforgiven and little communications prior to this happening. Reviewed on: 28th May 2025

always use it when i need something in a hurry but d...

always use it when i need something in a hurry but dont have the funds available ,its easy to use and the app is very clear and simple to navigate to check your balances Reviewed on: 28th May 2025

It's always there when I need it!

It's always there when I need it Reviewed on: 28th May 2025

Paypal credit

Paypal credit is good for allowing me to buy a few things before I am paid again Reviewed on: 28th May 2025

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