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PayPal: PayPal Credit reviews

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4.90
Based on 106,226 reviews, last reviewed 13th May 2026
2555200% increase in 5 star reviews
in the past 90 days
7550% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

character - Good start, but tell us a little more. character - Good start, but tell us a little more. Reviewed on: 13th May 2026
Ziro 's avatar
Ziro

Latest lowest rating:

1

Customer service non-existent. Avoid. Customer service is impossible to find. When you do find it, the chat is never responded to (agent just left the chat). It also times out without tell... Read more Reviewed on: 13th May 2026
JWB's avatar
JWB
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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 (106226)

PayPal Credit - Quick, Honest Review

5
PayPal Credit is handy if you’re disciplined. The big perk is the 0% for 4 months on anything over £99, and that offer applies every time, not just once. It’s great for spreading the cost of bigger buys without paying interest, as long as you clear it in time. The checkout integration is smooth, approvals are usually quick, and it feels convenient because it’s already built into PayPal. The downsides: the standard APR is high, so anything that doesn’t qualify for the promo - or anything you forget to pay off - gets expensive fast. Some people also find the statements a bit confusing, especially when juggling multiple promotional balances. Overall: brilliant if you’re organised, risky if you’re not. It’s a tool, not a trap... but you need to use it with intention. Reviewed on: 13th April 2026
Barbwire 's avatar
Barbwire

Always super quick to deal with issue

5
Always super quick to deal with issue Reviewed on: 13th April 2026
Thomas 's avatar
Thomas

Fantastic flexibility

5
PayPal credit has been a fantastic service and is so flexible. 0% interest on all purchases above £99 is so useful Reviewed on: 13th April 2026
Max A's avatar
Max A

Seamless and easy

5
I use it as my main source for credit. Really easy to use an integrates easily with a lot of websites. Reviewed on: 13th April 2026
M C's avatar
M C

Excellent way to pay for goods.

5
Excellent way to pay for goods.Easy to navigate and access many sites. Reviewed on: 13th April 2026
Davy glover's avatar
Davy glover

So easy and secure to use I would highly recommend...

5
So easy and secure to use I would highly recommend Reviewed on: 13th April 2026
Robert c's avatar
Robert c

It’s very easy to be set up and gives bonus point fo...

5
It’s very easy to be set up and gives bonus point for usage and also gives credit should in case you run out of money Reviewed on: 13th April 2026
Olatunde O's avatar
Olatunde O

Persoanlly the ease of use of app.

5
Persoanlly the ease of use of app. 4 month credit is great Reviewed on: 13th April 2026
BENJAMIN B's avatar
BENJAMIN B

paypal always

5
excellent service for purchasing worldwide Reviewed on: 13th April 2026
ISRAEL's avatar
ISRAEL

Great communication .

5
Always kept up to date regarding security. Feel safe using PayPal. Instant notification on payments and deposits. Reviewed on: 13th April 2026
Sarah P's avatar
Sarah P

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