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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (147160 reviews)

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4.73

Based on 146,832 reviews, last reviewed 1st Jul 2026

4411600% increase in 5 star reviews

in the past 90 days

12700% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

I’ve used PayPal for a very long time. I’ve used PayPal for a very long time. It’s helped me buy with ease of paying monthly affordabley. Reviewed on: 1st July 2026

Latest lowest rating:

2

Opened a case for a high value item Opened a case for a high value item provided evidence that items are missing and PayPal are still dragging their heels Reviewed on: 1st 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 (147160)

Very handy and helpful customer service

Very handy and helpful customer service Reviewed on: 7th April 2026

A Convenient Credit Option with Excellent Support

I like using PayPal Credit because it provides helpful, transparent information that makes managing payments straightforward. The customer service is reliable and responsive, which gives me confidence when making purchases or resolving issues. Overall, it offers good value for money by combining flexibility, support, and ease of use. Reviewed on: 7th April 2026

Very handy, would recommend

Very handy, would recommend, even more now that they've brought out a physical card so you can still use it when some online sites don't offer paypal as an option to log in Reviewed on: 7th April 2026

5 Stars!

I trust Paypal to always solve any issues I have, fairly & speedily. The convenience of paying with Paypal is also a bonus. No complaints, I always use Paypal as much as possible Reviewed on: 7th April 2026

Always feel secure using PayPal for payment- a trans...

Always feel secure using PayPal for payment- a transaction by a stranger was dealt with expeditiously when the transaction came to light. Excellent customer service. Reviewed on: 7th April 2026

PayPal Credit offers a convenient, 0% interest tool

For UK shoppers looking to bridge the gap between "buy now" and "pay later," PayPal Credit offers a sophisticated, digital-first alternative to the traditional store card. Its most compelling feature is undoubtedly the recurring 0% interest offer: any single transaction or combined basket total of £99 or more automatically qualifies for a four-month interest-free window. Unlike many introductory credit card deals that expire after a year, this benefit "resets" for every qualifying purchase, providing a permanent tool for spreading the cost of larger expenses like electronics or furniture. The application process is remarkably slick, integrated directly into the existing PayPal ecosystem, and often provides an instant decision. Once approved, the credit line sits within your digital wallet, making checkout at thousands of UK retailers—from Argos to Samsung—as simple as a few clicks. Furthermore, it carries the peace of mind of PayPal’s Buyer Protection, which can be a lifesaver if an item fails to arrive or doesn't match the description. However, the product is not without its pitfalls, and users must be disciplined to avoid the steep interest rates that kick in once the promotional period ends. Currently, the standard variable APR sits around 23.9%, which can quickly erode the savings made during the interest-free months if the balance isn't cleared in time. A significant area for improvement is the rigid £99 threshold; any purchase below this amount immediately attracts interest unless paid off by the next statement, which feels restrictive compared to modern "Pay in 3" services that offer flexibility on smaller amounts. Additionally, because PayPal Credit is a digital line of credit rather than a physical card, it lacks the robust legal safety net of Section 75 of the Consumer Credit Act. While Buyer Protection is helpful, it doesn't offer the same statutory "joint and several liability" that a standard UK credit card provides for purchases over £100. For those who stay on top of their statements and primarily shop online, it is an excellent financial tool, but it requires a wary eye on the calendar to remain truly cost-effective. Reviewed on: 7th April 2026

My go to secure payment method for all purchases

Never had an issue using Paypal. numerous payment options available and the services and promos on offer just keep improving over time Reviewed on: 7th April 2026

Easy and reliable

We always use paypal for safe and easy transactions Reviewed on: 7th April 2026

Loving PayPal!

Paypal is a secure way to pay for all good and gsve that reassurance of being protected if something goes wrong. You can pay monthly in bite size affordable chunks without being charged as long as you pay within the 4 month period. Reviewed on: 7th April 2026

Easy to use and easy to remain in control

Easy to use, sensible controls and easy to remain in control of spending and payments Reviewed on: 7th April 2026

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