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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50809 reviews)

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4.91

Based on 50,809 reviews, last reviewed 1st Feb 2026

100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Simple and handy PayPal approved me for credit when NatWest would not, allowing me to make purchases with zero interest for 4 months. Their Pay in 3 service has also b... Read more Reviewed on: 25th January 2026

Latest lowest rating:

1

6M 0 interest is a scam. I opened this account because it offer 6M 0 interest. Im a 0 int person, i refuse to make banks rich and steal peoples money. Mind you, I have the mon... Read more Reviewed on: 1st February 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.

PayPal PayPal Credit reviews (50809)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

Great experience, happy customer.

Great experience, happy customer. Reviewed on: 2nd June 2025

Best banking!

Best banking. easy to use and very accessible as I can connect my other accounts Reviewed on: 2nd June 2025

I have been able to use PayPal Credit for items I ca...

I have been able to use PayPal Credit for items I cannot afford to pay outright with cash. This has been such an asset to my life style. Reviewed on: 2nd June 2025

Good customer service

Twice, the suppliers let me down and PayPal got involved and got my money back Reviewed on: 2nd June 2025

Easy to use

Easy to use. I use it regularly. Reviewed on: 2nd June 2025

Great app, very easy to use.

Great app, very easy to use. Very easy to buy things online, feels very secure too. Reviewed on: 2nd June 2025

Knights in shining armour

I've had to contact PayPal a few times, due to eBay issues and other online merchant hiccups, and every time I was helped, effectively and efficiently, I honestly feel safer shopping with PayPal, you feel protected. They are very easy to use and your money and funds are secure. I always use PayPal if the option exists. Reviewed on: 2nd June 2025

Always using PayPal

Never an issue. Always feels safe and secure. Reviewed on: 2nd June 2025

PayPal Credit is a useful digital credit

PayPal Credit is a useful digital credit line for online shoppers in the UK. It’s easy to apply if you have a PayPal account and often offers 0% interest for 4 months on purchases over £99. There’s no annual fee, and it’s accepted by most online retailers that support PayPal. However, the interest rate after the promotional period is quite high, and since there is no physical card, it’s mainly intended for online use. Customer service experiences can be mixed but gotten good experiences so far. Best for: UK users who shop online regularly and can repay within the interest-free period. Reviewed on: 2nd June 2025

Always resolve issues promptly excellent service

Always resolve issues promptly with excellent customer service. Would recommend to amnyone Reviewed on: 2nd June 2025

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