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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (145646 reviews)

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4.73

Based on 145,629 reviews, last reviewed 27th Jun 2026

4357200% increase in 5 star reviews

in the past 90 days

12500% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Handy and easy So easy and flexible to use -makes budgeting a breeze Reviewed on: 27th June 2026

Latest lowest rating:

2

Been with you for 8 years and you are the only firm... Been with you for 8 years and you are the only firm that has never increased my pathetically low credit limit ! Reviewed on: 25th 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.

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PayPal PayPal Credit reviews (145646)

A Simple Way to Manage Bigger Purchases

PayPal Credit is a convenient way to spread out those large payments. The biggest draw is the 0% interest for four months on purchases over £99, which can make larger buys feel more manageable. It’s quick to apply for, decisions are usually instant, and checkout is seamless once it’s set up. Reviewed on: 6th May 2026

Always had a good experience with PayPal.

Always had a good experience with PayPal. I love the 3 month interest free payment plans Reviewed on: 6th May 2026

Honest review

PayPal makes paying and managing my finances easier Reviewed on: 6th May 2026

Nice service I am very happy with PayPal

Nice service I am very happy with PayPal Reviewed on: 6th May 2026

Good interest rates

I like the fact they don't charge massive interest and they do good payment plan options Reviewed on: 6th May 2026

I have had exceptional experience with Paypal.

I have had exceptional experience with Paypal. Their cutomer service each engagement has been great, informative, patient, and understanding. Overall great customer service. This also includes Paypal's flexibility giving customers the opportunity to make valuble choices when choosing how to pay. Reviewed on: 6th May 2026

Easy to use, great security and very good support

Easy to use, great security and very good support Reviewed on: 6th May 2026

Great company till you need to contact them

I once had to contact customer service which was really difficult to try and find contact details. I alerted them about fraudulent activity on my account, I never heard back from them. I see the ticket was closed saying in my favour, don't ever remember getting funds back. Now no one wants to talk to me Reviewed on: 6th May 2026

Very easy to use

I’ve been really impressed with PayPal Credit. It’s incredibly easy to use, especially since it’s available at so many online stores right at checkout. The app is very clear and well-designed, making it simple to track my balance and manage payments. Everything just works exactly how it should, which makes the whole experience feel seamless and reliable for my everyday shopping. Reviewed on: 6th May 2026

Very easy to use, never any issues

Very easy to use, never any issues Reviewed on: 6th May 2026

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