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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (136510 reviews)

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4.73

Based on 136,510 reviews, last reviewed 12th Jun 2026

3942550% increase in 5 star reviews

in the past 90 days

10950% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Safe and Secure I've had PayPal for many years. I love the pay in 3 or 4 at 0% interest. I also feel safe buying through PayPal knowing if I have any issues, they are... Read more Reviewed on: 12th June 2026

Latest lowest rating:

1

Card never works Card hasn’t worked whenever and wherever I tried it… just gets declined despite an unused £6500 balance available Reviewed on: 12th June 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.

PayPal PayPal Credit reviews (136510)

Review of the PayPal, PayPal Credit:

Good experience only customer service in chat but ha...

Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024

Easy and convenient

I love having PayPal as an option for my spending. It’s so easy to use and I especially like how smooth the process is when purchasing on a website, but paying by PayPal. Very convenient. Reviewed on: 10th June 2026

Good but could improve

I think the pay later option should be a minimum of 6 months rather than the 4 months it currently is and I think the minimum spend could be reduced to say £50 or £60 rather than the current £99 threshold, before automatic interest applies. Reviewed on: 10th June 2026

Smooth as silk so far.

Smooth as silk so far. Excellent customer service experience. Prompt refund processing. Reviewed on: 10th June 2026

PayPal is my go-to service for payments online!

I use PayPal all the time! It’s the safest, easiest way to make payments online. I particularly love their Pay In 3 option to spread payments. It’s such a reliable way to finance my money and afford things I wouldn’t otherwise. Plus there are no interest fees! The PayPal app and checkout on other websites is simple and easy to use. Lastly I have to commend their customer services, which have helped me attain refund for items that never arrived. One again proving the security of PayPal. Reviewed on: 10th June 2026

Paypal credit - wise way to prosper

It's a pleasure to see new features within paypal, experience with paypal Improved my life a lot. I couldn't afford to buy certain items before. Now with PayPal credit I find it a lot easier to do shopping with cost spreading over time. Decent enough to manage your spendings better and see them more clear Reviewed on: 10th June 2026

Great for purchases and boosting credit rating

I use PayPal Credit to spread the cost of larger items and also increase my credit limit. Its a great way to manage my money and keep on top of my credit rating. I had an issue with the bank regarding a payment but the customer service team was great and sorted it for me. Reviewed on: 10th June 2026

PayPal offers great services.

PayPal offers great services. I have used all the products they provide in the UK and have been happy with everything. Both debit and credit accounts work great and are easy to use. Have recommended and will keep doing so! Reviewed on: 10th June 2026

I like how many providers allow me to pay with PayPa...

I like how many providers allow me to pay with PayPal and allow pay in 3 it allows me to spread the cost at no extra cost which is helpful for a family Reviewed on: 10th June 2026

Happy with PayPal amazing service.

Happy with PayPal amazing service. Reviewed on: 10th June 2026

Excellent customer service.

Excellent customer service. Easy friendly app. Reviewed on: 10th June 2026

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