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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181119 reviews)

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4.73

Based on 181,117 reviews, last reviewed 12th Aug 2026

32% increase in 5 star reviews

in the past 90 days

47% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

4

Straight forward Easy to use, no issues other than the rate after the promotional period. Reviewed on: 12th August 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 (181119)

A Financial Lifesaver!

I have been using PayPal Credit for quite some time now, and it has genuinely been a massive help whenever I am short on finances. It gives me the peace of mind and flexibility I need to manage my monthly budget without extra stress. The absolute best feature is that any purchase over £99 automatically qualifies for 0% interest for 4 months. It is not just a one-time sign-up bonus; it applies every single time I spend over the threshold. It lets me split up big and if the purchase is under £99 I can use Pay in 3 option without worrying about interest. I was eagerly hoping for a physical PayPal Credit card, and its recent launch is a game-changer. Being able to keep it in my wallet and use it physically in high-street shops and designer outlets is incredibly handy. Although I am still unable to get a physical card due to some error I am getting whenever I try to apply but I have the virtual card save in my digital wallet. Reviewed on: 29th June 2026

Fast, Easy, but Flawed

PayPal is easy, fast, and widely accepted, making online payments simple and secure. It’s great for everyday shopping and quick transfers, but fees, slow support, and random account holds can make it frustrating. Good for convenience. Not great when something goes wrong . Reviewed on: 29th June 2026

Efficient and easy to use.

Efficient and easy to use. The information provided about the tool is clear. Updates and notification are regular. Easy financing. Reviewed on: 29th June 2026

Great protections and a fantastic 4 months interest...

Great protections and a fantastic 4 months interest free option. Reviewed on: 29th June 2026

User friendly

It is easy to use and many website is applicable to use Reviewed on: 29th June 2026

My experience of Paypal has always been positive.

I have been using Papal for many years. My experience has always been positive.and I recommend without any hesitation. I could not imagine not having an account, Reviewed on: 29th June 2026

Excellent credit service.

Excellent credit service. Pay in 3 is fantastic. Reviewed on: 29th June 2026

Excellent service

Excellent service and smooth experience Reviewed on: 28th June 2026

Choice and safety

Gives many options for paying for items safely and without paying interest. Reviewed on: 28th June 2026

More than two decades of transactions.

I've been using paypal near when it started in the UK, mostly at the time with ebay as that was one of their initial online payment services. For me over the two decades, it's been a fabulous payment tool and with their option to spread payments under various options, it's allowed me to manage my money better. All done very simply. As it expanded out from ebay, it's been very useful across many merchant transactions. I just wish I had brought shares in it many many years ago. Reviewed on: 28th June 2026

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