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PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 100,646 reviews, last reviewed 7th May 2026
2299000% increase in 5 star reviews
in the past 90 days
6700% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Great repayment options Easy to apply, made purchases affordable & with the options to pay back without interest within first 3 months. Great customer service I am really imp... Read more Reviewed on: 7th May 2026
Lisa's avatar
Lisa

Latest lowest rating:

1

Never had a problem with PayPal, use it for most pur... Never had a problem with PayPal, use it for most purchases as its great cover incase anything ever goes wrong with a purchase that I make , and the cu... Read more Reviewed on: 7th May 2026
Carl f's avatar
Carl f
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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 (100646)

A Timely Helper

5
Paypal Credit has been very helpful to me over the last year while my income has been very unpredictable, but lots of products have needed replacing. Making it interest free for 4 months has been all I needed to make sure I could afford to pay what I needed to, without interest and without a long-term debt being allowed to slide and lead me wayward. I feel that Paypal credit's 4 Months Interest Free promotion has been an excellent product that has helped me personally, enormously. Reviewed on: 13th June 2022
James Clifford's avatar
James Clifford

Highly Recommend Pay Pal

5
Customer services are super good. Reviewed on: 13th June 2022
Franklin O B's avatar
Franklin O B

12 months no interest

5
Great having 12 months free interest on big items Reviewed on: 13th June 2022
stephen hughes's avatar
stephen hughes

Availability

5
My experience with paypal is very satisfying.It is available to use anytime Reviewed on: 13th June 2022
Moyin's avatar
Moyin

Very convenient for spreading payments

5
I love the convenience of being able to spread the payments. It's easy to use and as long as you are responsible in repaying before the 4 months are up, there is no interest charge. At first I didn't realise that you only had to pay a minimum amount rather than breaking the amount borrowed into 4 equal payments. Once I had realised how to use it, I got on fine. It would be great if PayPal could process the payments quicker. Most other companies are much quicker. It takes 4-5 days to actually leave your account making you wonder whether the payment will go through in time for the interest free deadline. Reviewed on: 13th June 2022
Jackie Thomas's avatar
Jackie Thomas

Excellent service

5
A reliable and fair service that has allowed me to buy things I would have never been able to afford if it wasn’t for the 4 month interest free plans. It’s really easy to keep track of your account with the app, there is regular correspondence via emails about your account and payments, and PayPal customer service is always of a high standard. Reviewed on: 13th June 2022
tinkz's avatar
tinkz

Credit you can trust

5
PayPal credit came at the right time for me as the PlayStation 5 was coming out and I didn't have the money upfront so I applied for PayPal credit and was granted the amount of credit that I needed plus a bit extra. Plus it's even easy to get more credit on the existing account of there is any thing else you want to buy. You also get 4 months interest free on purchase's of £99.00. And over. After that interest is 21.9% . So I definitely recommend PayPal credit. Reviewed on: 13th June 2022
DynoD66's avatar
DynoD66

Brilliant credit provider

5
PayPal credit boosted my credit score massively after having zero credit history, I originally used it for purchasing mobile phones on credit but have bought much more than that since. I have had the account almost 3 years now and it that time I have had zero issues everything is explained clearly interest rates are explained well within the PayPal credit webpage and whenever I have contacted PayPal credit with a query they have always been extremely helpful and polite,. I hope to make use of this account for many years to come excellent credit provider overall extremely happy with their service. Reviewed on: 13th June 2022
Tom Earnshaw's avatar
Tom Earnshaw

A great offer to help with large purchases

5
PayPal Credit has been a great support. Really easy to use and the website helps manage your account brilliantly Reviewed on: 13th June 2022
Steve Salter's avatar
Steve Salter

Affordable

5
Easy to use and affordable very good indeed will tell my family and friends about PayPal Reviewed on: 13th June 2022
Patricia 's avatar
Patricia

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