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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (143540 reviews)

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4.73

Based on 143,540 reviews, last reviewed 20th Jun 2026

4262150% increase in 5 star reviews

in the past 90 days

12250% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

I’ve never experienced any issues with PayPal or Pay... I’ve never experienced any issues with PayPal or PayPal Credit Reviewed on: 20th June 2026

Latest lowest rating:

1

Didn't get my £40 welcome promotion credit. Got a £40 PayPal promotion discount on my first purchase, But unfortunately had to return the item as it was faulty. So lost my £40 as PayPal won't le... Read more Reviewed on: 20th 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 (143540)

Have always found PayPal credit to be excellent

Have always found PayPal credit to be an excellent credit option. They are very transparent with any charges and often have numerous interest free payment options available for purchases. You can now also get a physical card which adds to the convenience. Reviewed on: 12th June 2026

PayPal Credit is the way to go!

Easy to set up and manage - you are always in total control of your payments! The direct debit feature ensures repayments are never missed meaning my credit score if not negatively effected! I always feel my credit is safe and secure! Reviewed on: 12th June 2026

Good customer service

Good customer service and easy to use in the mobile app Reviewed on: 12th June 2026

The star of the show: 4 months at 0% interest, always!

It is very easy to use. To me, the best feature is the permanent 0% interest for 4 months on all purchases over £99. It’s a fantastic feature for unexpected expenses and to reserve holidays when there are at their cheapest. The app (using Android) could do with some polishing though. I keep having to fully identify myself with 2-factor auth everytime, even if select the “remember this device” option. It’s a minor thing, but could be improved. Reviewed on: 12th June 2026

Paypal Credit? A solid use.

I’ve really enjoyed using paypal credit throughout the last couple of years as it’s super easy to use & making things really affordable. They’ve been helpful when i’ve had queries about the promotional interests free for 4 months & setting up direct debits to avoid missed payments. Overall a solid option for credit when buying online, i highly recommend. Reviewed on: 12th June 2026

Very good, for earning points and rewards

Very good, for earning points and rewards Reviewed on: 12th June 2026

Very easy to use, gives exact dates of what needs pa...

Very easy to use, gives exact dates of what needs paying and when Reviewed on: 12th June 2026

Always quick, secure with detailed information.

Always quick, secure with detailed information. Reviewed on: 12th June 2026

I have been using PayPal for a number of years and n...

I have been using PayPal for a number of years and never had a problem, easy to use and peace of mind when paying. Reviewed on: 12th June 2026

Customer service and security.

Customer service is the best I have ever experienced by any Internet provider- always quick to respond and resolve issues with any problem with purchases. Accessing Customer services is very easy and response times are very quick. I only make online purchases if the seller uses PayPal as I trust them completely. Reviewed on: 12th June 2026

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