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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (145342 reviews)

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4.73

Based on 145,221 reviews, last reviewed 25th Jun 2026

4338900% 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

Very easy process to use when buying expensive items... Very easy process to use when buying expensive items good way to pay back debt over 4 months Reviewed on: 25th 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 (145342)

My experience with PayPal has been good.

My experience with PayPal has been good. Reviewed on: 18th April 2026

Was great handled it quick and was easy to speak...

Was great handled it quick and was easy to speak to Reviewed on: 18th April 2026

Easy to use , easy to understand and lots of...

Easy to use , easy to understand and lots of perks Reviewed on: 18th April 2026

Flexibility, and Confidence with PayPal Credit

I’ve been using PayPal Credit for a while now, and honestly, it’s one of the most convenient ways to manage online purchases. What I like most is the flexibility. It works like a digital credit line linked directly to your PayPal account, so you don’t need a physical card. At checkout, you just select PayPal Credit and you’re done—it’s quick and hassle-free. The 0% interest for 4 months on purchases over £99 is a big advantage. It gives you breathing room to spread the cost without extra charges, which is perfect for bigger purchases. I also appreciate how easy it is to track spending. You get a monthly statement and can make repayments in a simple, clear way—just like a regular credit account. Of course, like any credit product, you have to use it responsibly. If you don’t pay on time, interest can be quite high, so it’s important to stay on top of payments. Overall, PayPal Credit is a great tool for managing finances when used wisely. It’s convenient, flexible, and ideal for online shopping—especially if you want short-term interest-free options. Reviewed on: 18th April 2026

I use PayPal for many years.

I use PayPal for many years. I love all the PayPal services. Reviewed on: 18th April 2026

Excellent customer service.

Excellent customer service. Great support for online shopping and banking. Reviewed on: 18th April 2026

my favourite credit option

My only issue with PayPal is the login process with the app. I think because of my security settings, I need to receive a SMS code for every log in, even with a passkey saved on my phone. Other than that, I love using PayPal credit and have the new physical card. The 0% for 4 months over £99 is one of the most useful and reliable credit options I’ve ever had. The peace of mind with a big purchase (ie appliance breaking down) it gives is tremendous. Reviewed on: 18th April 2026

Working perfectly, coustomer service always helps

Working perfectly, coustomer service always helps Reviewed on: 18th April 2026

Good experience overall.

Good experience overall. If you could pay in 12 installments with 0% on any purchase, not only with some retailers, would be great. Reviewed on: 18th April 2026

General info

Never had any problems if there’s been a issue it’s been resolved in a decent time scale would definitely recommend PayPal Reviewed on: 18th April 2026

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