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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181120 reviews)

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4.73

Based on 181,120 reviews, last reviewed 13th Aug 2026

28% increase in 5 star reviews

in the past 90 days

45% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal credit gives me freedom Lovely PayPal credit gives me freedom to buy items I want but can’t quite afford and can pay over time Reviewed on: 13th August 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd 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 (181120)

Simple solutions for a complex life!

Just really pleased with what PayPal offers in terms of security and flexibility. Reviewed on: 22nd April 2026

I can’t say much regarding the customer service side...

I can’t say much regarding the customer service side as I’ve not really needed to speak to anyone, however I do believe they would still be amazing and very helpful, pay pal has always worked for me very easy and straightforward also you have security with them I always feel safe when using PayPal Reviewed on: 22nd April 2026

i wish i never opened a paypal credit account, i hat...

i wish i never opened a paypal credit account, i hate being in debt. £1000 would be wonderful to help me pay some of that back. Reviewed on: 22nd April 2026

I use PayPal for everything I buy.

I use PayPal for everything I buy. Great for refunds deal with everything so quick. Reviewed on: 22nd April 2026

Very good service .

Very good service .I used PayPal since 2015. Reviewed on: 22nd April 2026

Perfect for spreading costs on mid-sized purchases

I have been using PayPal Credit and it acts as an excellent medium-term buffer for my online shopping. The standout feature is definitely the rolling 4 months of 0% interest on any basket over £99. It allows me to easily spread the cost of mid-sized purchases without touching my main bank balance or paying a penny in interest. It is seamlessly integrated into almost every online checkout, making it incredibly convenient to manage cash flow. Reviewed on: 22nd April 2026

I have been using PayPal credit for the last 11 years.

I have been using PayPal credit for the last 11 years. Always easy to finalise and flexible re the payments. Very happy with it and will keep using it! Reviewed on: 22nd April 2026

Customer service

I had a missed payment and ended up calling paypal customer service. They were super understanding and helpful and were happy to accommodate me and fit around what I could and couldn’t manage. I was very appreciative of how understand they were of my financial situation and were able to go through some options to help me Reviewed on: 22nd April 2026

The best method of payment

Allows me to pay for things with piece of mind. Also allows to spread the cost when something is urgently needed but you are unable to pay straight away. Easily manageable in the app Reviewed on: 22nd April 2026

Simple, Secure, and Reliable

I’ve had a great experience using PayPal—it’s fast, secure, and incredibly convenient. Sending and receiving money is straightforward, and I really appreciate the extra layer of buyer protection. It’s become my go-to for online payments! Reviewed on: 22nd April 2026

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