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PayPal: Credit card reviews

Name: Credit card
Rating: 4.66 (126 reviews)

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4.66

Based on 126 reviews, last reviewed 20th Aug 2026

49% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

92%

2 star

Latest highest rating:

5

Each purchase of $99/£99 gets 4 months interest-free. Each purchase of $99/£99 gets 4 months interest-free. If you pay it off in time, you spread the cost with no extra fees. PayPal’s “Pay in 4” is als... Read more Reviewed on: 20th August 2026

Latest lowest rating:

1

The absolute worst credit card you can have. The absolute worst credit card you can have. The transactions don’t go through all the way until 2 months later. So here you are thinking you just pai... Read more Reviewed on: 14th July 2026

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About this product

PayPal Credit Card allows eligible UK customers to use their PayPal Credit account wherever Mastercard is accepted, both online and in store.

There’s no annual fee, and eligibility checks don’t impact your credit score. If approved, PayPal Credit is available in the PayPal wallet via a virtual card, with the option to request a physical card.

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 Credit card reviews (126)

Customer Service

I had a few conversions with custoner service over the past few years. Always excellent, friendly and curtious customer service. When they increased my credit, it always came as welcome surprise. I didn’t need to do anythinRates could be better. Reviewed on: 6th April 2026

9 years of trust

I’ve been using PayPal Credit for nearly 9 years, and it’s been consistently reliable and easy to manage. Overall, a trustworthy service that’s supported me well. Reviewed on: 6th April 2026

great service.

great service. customer service second to none glad i chose paypal Reviewed on: 6th April 2026

It’s just so easy and less stressful

It’s just so easy and less stressful when you know that you can buy something and be relaxed about payment are so easy and safe with PayPal Reviewed on: 6th April 2026

I’ve been using PayPal Credit for a while, and I’m e...

I’ve been using PayPal Credit for a while, and I’m extremely satisfied with the service. It makes online purchases much more manageable with flexible payment options and clear terms. The application process was simple and fast, and I appreciate the seamless integration with PayPal for secure transactions. Customer service has also been responsive and helpful whenever I had questions. Overall, PayPal Credit provides a reliable and convenient way to manage purchases, and I highly recommend it to anyone looking for a flexible financing option. Reviewed on: 6th April 2026

Excellent debit card, easy to use, automatic reloads...

Excellent debit card, easy to use, automatic reloads from credit card without having to log in, fantastic incentives for customers such as the rewards points on each purchase. Reviewed on: 6th April 2026

Great and very fair.

Great and very fair. PayPal always puts customers first. Reviewed on: 6th April 2026

Great but beware the 'points offers'

Was offered 500 bonus points for a spend of £50+ over 3 transactions, which I easily qualified for but wasn't given the points. Reviewed on: 6th April 2026

Paypal credit card was so easy to get compared to ot...

Paypal credit card was so easy to get compared to other credit lenders that make things so difficult to get credit facility from. I have recommended paypal credit to family and friends and they have all gotten the facility and are enjoying it currently. The process was so easy and straight forward. Reviewed on: 6th April 2026

Paypal are a great company.

Paypal are a great company. They off a variety of credit options and keep you regularly updated by email on what you have spent. They also have great service if you have any questions about any part of their service. This includes any disputes regarding payments or refunds. I would h8ghly recommend Paypal to anyone and 5heir interest rates are reasonable, unlike many others Reviewed on: 6th April 2026

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