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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (139433 reviews)

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4.73

Based on 139,433 reviews, last reviewed 15th Jun 2026

4075750% increase in 5 star reviews

in the past 90 days

11600% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Allways helpful never have any issues Allways helpful never have any issues Reviewed on: 15th June 2026

Latest lowest rating:

1

Fraud on my card, advisor useless. Fraud on my card, advisor useless. Had a load of just eat payments taken I did not make and they’ve said they believe I have. Don’t waste your time wi... Read more Reviewed on: 15th 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 (139433)

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

Overall a great experience!

I've been using PayPal Credit for a while and overall I've had a positive experience. The application process was straightforward, and the credit limit offered was reasonable based on my circumstances. One of the biggest benefits is the ability to spread the cost of larger purchases. The promotional interest-free periods is very useful, making it easier to budget for unexpected expenses or larger items without paying everything upfront. The online account management is simple to use, and payments are easy to make through the PayPal platform. Statements are clear, and I appreciate being able to track purchases and balances in one place. On the downside, it's important to be aware of the terms and conditions. If the balance isn't paid within the promotional period, interest can be charged, which may make purchases more expensive than expected. Overall, PayPal Credit is a convenient financing option for online shoppers who are good at making repayments and understand the terms. Used responsibly, it provides useful flexibility. Reviewed on: 12th June 2026

Love my PayPal

I have used PayPal for some years now and feel that my money is in safe hands. Using PayPal means that if there's a dispute with a retailer/seller, PayPal will definitely act to resolve this. I also use PayPal to send money to family and friends abroad and they offer competitive rates. Reviewed on: 12th June 2026

Have always found PayPal credit to be excellent

Have always found PayPal credit to be an excellent credit option. They are very transparent with any charges and often have numerous interest free payment options available for purchases. You can now also get a physical card which adds to the convenience. Reviewed on: 12th June 2026

PayPal Credit is the way to go!

Easy to set up and manage - you are always in total control of your payments! The direct debit feature ensures repayments are never missed meaning my credit score if not negatively effected! I always feel my credit is safe and secure! Reviewed on: 12th June 2026

Good customer service

Good customer service and easy to use in the mobile app Reviewed on: 12th June 2026

The star of the show: 4 months at 0% interest, always!

It is very easy to use. To me, the best feature is the permanent 0% interest for 4 months on all purchases over £99. It’s a fantastic feature for unexpected expenses and to reserve holidays when there are at their cheapest. The app (using Android) could do with some polishing though. I keep having to fully identify myself with 2-factor auth everytime, even if select the “remember this device” option. It’s a minor thing, but could be improved. Reviewed on: 12th June 2026

Paypal Credit? A solid use.

I’ve really enjoyed using paypal credit throughout the last couple of years as it’s super easy to use & making things really affordable. They’ve been helpful when i’ve had queries about the promotional interests free for 4 months & setting up direct debits to avoid missed payments. Overall a solid option for credit when buying online, i highly recommend. Reviewed on: 12th June 2026

Very good, for earning points and rewards

Very good, for earning points and rewards Reviewed on: 12th June 2026

Very easy to use, gives exact dates of what needs pa...

Very easy to use, gives exact dates of what needs paying and when Reviewed on: 12th June 2026

Always quick, secure with detailed information.

Always quick, secure with detailed information. Reviewed on: 12th June 2026

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