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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (171810 reviews)

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4.73

Based on 171,506 reviews, last reviewed 8th Jul 2026

1427% increase in 5 star reviews

in the past 90 days

1438% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal is a easy and safest way to pay. PayPal is a easy and safest way to pay. Reviewed on: 8th July 2026

Latest lowest rating:

1

Was charged £12. Vague reason Was charged £12.00 and the explanation was vague. Have never used PayPal as much as I should and am very careful to not get charged anything. This is ... Read more Reviewed on: 8th 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 (171816)

PayPal Credit functions as a reusable digital line o...

PayPal Credit functions as a reusable digital line of credit attached to your PayPal account. It allows you to quickly spread the cost of purchases or manage larger expenses, offering flexibility with no plastic card required.0% Interest on Large Purchases: Get 0% interest for 4 months on single transactions of £99 or more (or $149+ in the US).Zero Annual Fee: Enjoy a credit line with no annual maintenance charges.Flexible Instalments: Access tailored, fixed-term repayment plans directly through the PayPal checkout at participating merchants.Buyer Protection: Eligible online purchases made with PayPal Credit are covered by PayPal Buyer Protection, safeguarding you if items don't arrive or differ from their description.Reusable Line of Credit: Once approved, your credit limit is stored in your PayPal wallet and can be reused for future transactions. Reviewed on: 9th June 2026

Great convenient service, easy to use clear T&Cs

Great convenient service, easy to use clear T&Cs Reviewed on: 9th June 2026

Good options to pay.

An efficient way to pay for large purchases. Reviewed on: 9th June 2026

PayPal credit is a seamless service from start to fi...

PayPal credit is a seamless service from start to finish. It gives you a simple breakdown of the plans to choose from and term details which makes choosing an easier task. The payments are easy to track through the app and can make additional payments when needed without any issues. Overall really satisfied with my experience and look forward to using again. Reviewed on: 9th June 2026

I've been using PayPal for online shopping

I've been using PayPal for online shopping for a while now and it's genuinely one of the smoothest payment experiences out there. Checking out on sites that support PayPal is fast, and I always feel confident my payment details are protected. I did run into a minor account issue at one point, which I was a little worried about, but customer support sorted it out without too much hassle. That kind of follow-through makes a difference — it's easy to rate a platform highly when everything works, but the real test is what happens when something goes wrong. Overall, PayPal has been a consistent and trustworthy part of how I shop online. Would recommend without hesitation. Reviewed on: 9th June 2026

PayPal credit and their pay later options are top tier

PayPal credit has enabled me to purchase many things when cash flow has been tough and the various pay later options from the 4 months interest free as well as the various stores that offer 24, 36 & 48 months interest free payments are top tier with the normal PayPal support and guarantee if something goes wrong, recommended! Reviewed on: 9th June 2026

Paypal Credit - Best in the business!

Paypal is very simple to use, especially now with their virtual card. They are one of the best credit retailers around and I recommend everyone use them if they are looking for similar lines of credit. Reviewed on: 9th June 2026

No Paypal customer services for UK customers

I was actually defrauded by a company that was offering to sharpen images for a about 50p. They then took £53 deom my Paypal account and tried to sign me up for a fortnightly payment. When I tried to get the payment blocked, Paypal ruled in the company's favour in about 30 seconds of my complaint and there was nobody to talk to and no way to appeal. They have no human customer services at all for Uk customers. Reviewed on: 9th June 2026

I love the four-month flexibility to repay with no..

I love the four-month flexibility to repay with no interest. Great customer service, they thrive to resolve all issues and very patient team. I love the four-month flexibility to repay with no interest. Great customer service; they thrive on resolving all issues and have a very patient team. Reviewed on: 9th June 2026

I find the PayPal service consistently performs wel...

I find the PayPal service consistently performs well and responsive to any queries. Reviewed on: 9th June 2026

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