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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148300 reviews)

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4.73

Based on 148,267 reviews, last reviewed 3rd Jul 2026

4477150% increase in 5 star reviews

in the past 90 days

13200% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Always helpful when i call, top security and purchas... Always helpful when i call, top security and purchase easily and confidently Reviewed on: 3rd July 2026

Latest lowest rating:

2

The interest rate is too high. The interest rate is too high. It will take forever to pay off the credit even if the minimum payment is almost 5% of the outstanding balance. Reviewed on: 3rd 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 (148300)

Great for short-term purchases if used wisely

I’ve been using PayPal Credit recently and my experience has been very smooth so far. The setup was quick and easy, and everything is clearly visible inside the PayPal app, which makes it simple to track spending and payments. One of the best features is the 0% interest offer for purchases over £99. It’s very useful for short-term flexibility, especially if you plan your repayments properly and clear the balance within the offer period. I also like that you can make payments anytime, not just on the due date. Customer service has been responsive and helpful whenever needed, and the statements are easy to understand. However, I would say it’s important to be careful. The standard interest rate is quite high if you don’t pay off your balance in full, and missing payments can lead to fees. So it’s best used responsibly. Overall, a good financial tool for managing short-term expenses, as long as you stay disciplined with repayments. Reviewed on: 16th April 2026

PayPal would highly recommend

Been using PayPal for quite a few years and never had a problem would highly recommend Reviewed on: 16th April 2026

Brilliant

Had no problems with them an if I havent received an parcel paypal has always got it refunded back to me Reviewed on: 16th April 2026

Never had an issue using PayPal.

Never had an issue using PayPal. The app is clear and concise. Easy to get help when needed and the response is usually quite swift. Reviewed on: 16th April 2026

Great app and service.

Great app and service. Pay in 3 and credit options are really useful and collecting points for rewards is a good bonus although it would be better if you could get to the next level a little easier. Reviewed on: 16th April 2026

Premium service

Easy and extremely reliable all round service Reviewed on: 16th April 2026

Works well for me.

Works well for me. Have had no problems using the app. Reviewed on: 16th April 2026

Always been impeccable and never had any issues

Always been impeccable and never had any issues Reviewed on: 16th April 2026

Just very easy to make payments and pay for the thin...

Just very easy to make payments and pay for the things I buy Reviewed on: 16th April 2026

Al transaPaypal5*

Al transaction are easy and flawless Reviewed on: 16th April 2026

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