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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181054 reviews)

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4.73

Based on 181,053 reviews, last reviewed 26th Jul 2026

151% increase in 5 star reviews

in the past 90 days

203% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

It's a God send! My PayPal Credit account has been a God send on more than one occasion, from appliances breaking down, to emergency purchases. The pay in 3 option is ... Read more Reviewed on: 26th July 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 (181054)

Easy to keep up to date and see balance and pay what...

Easy to keep up to date and see balance and pay what is owed Reviewed on: 29th May 2026

I have been using them for a while they always deliv...

I have been using them for a while they always deliver, amazing service Reviewed on: 29th May 2026

Unclear how paypal works

Paypal do not make it at all clear how to pay off an item after the interest free period and in fact after being with them 10years i still dont know ! Also extortionately high interest rate Reviewed on: 29th May 2026

Really useful features and great cost saving offers...

Really useful features and great cost saving offers make this a must hsve Reviewed on: 29th May 2026

Psypal credit really easy to use and decision are ma...

Psypal credit really easy to use and decision are made quickly will use over and over as it spreads cost Reviewed on: 29th May 2026

Best For: Online shoppers making large purchases wh...

Best For: Online shoppers making large purchases who want flexibility without opening a traditional plastic credit card. The Verdict: Fast, Convenient, and Great If Managed Properly PayPal Credit isn’t a physical card; it’s a reusable digital credit line seamlessly baked into your existing PayPal wallet. If you are someone who frequently shops online and wants a reliable way to slice big expenses into manageable pieces, it is one of the most frictionless tools available. However, like a sharp kitchen knife, it’s incredibly useful until you handle it carelessly—the standard interest rates are steep. The Pros: Why It’s Worth It The 0% Golden Rule: The absolute best feature is the ongoing promotional offer: 0% interest for 4 months on any single purchase of £99 or more. As long as you clear the balance before the 4 months are up, it’s essentially free borrowed money. Instant Gratification: Because it links to your existing PayPal account, application takes minutes, and if approved, you can use the credit line immediately at checkout. No waiting for a card to arrive in the post. Zero Annual Fees: Unlike many traditional credit cards, you don't pay a premium just to keep the credit line open and active. Massive Acceptance: Anywhere that accepts PayPal (which is a massive chunk of the internet) generally accepts PayPal Credit. It handles everything from tech upgrades to holiday bookings. The Cons: The Hidden Traps The "Deferred Interest" Sting: If you don't pay off that £99+ purchase within the 4-month window, interest is backdated and charged on the entire original amount from the date of purchase, not just the remaining balance. High Standard APR: If you carry a balance outside of promotional windows, the interest rate is notoriously high (often well above standard high-street credit cards). It can quickly turn a good deal into a debt trap. No Physical Presence: You can't use it on the high street or at a local shop unless they take PayPal via a mobile app link. It is strictly an online tool. How to Use It Like a Pro Reviewed on: 29th May 2026

Never an isssue with using PayPal

Never an isssue with using PayPal Reviewed on: 29th May 2026

Brilliant service

I have never had any problems with my paypal account, when I have had discrepancies with retailers paypal has always got my money back and fast. Brilliant service. Reviewed on: 29th May 2026

PayPal Credit has been an incredible source of suppo...

PayPal Credit has been an incredible source of support for me during a time when the rising cost of living has made everyday finances much more challenging. Having access to flexible credit has allowed me to manage essential purchases and spread costs in a way that has eased financial pressure and given me peace of mind when unexpected expenses have arisen. What has stood out most is not only the convenience of the service itself, but also the consistently excellent customer service I have received whenever I have needed help, reassurance, or advice. On the occasions where I have had questions or concerns, the support team have always been professional, understanding, patient, and quick to assist. This level of care has made a genuine difference and has helped me feel supported rather than judged during financially difficult periods. In a climate where many people are struggling with increasing bills and day-to-day expenses, PayPal Credit has provided flexibility, reliability, and reassurance when I have needed it most. I truly appreciate both the service and the customer care I have experienced throughout. Reviewed on: 29th May 2026

I will recommend PayPal always

PayPal is very reliable and efficient and I will highly recommend PayPal. Reviewed on: 29th May 2026

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