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PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 109,893 reviews, last reviewed 18th May 2026
2723400% increase in 5 star reviews
in the past 90 days
8000% 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

PayPal have always been a great and secure company t... PayPal have always been a great and secure company to transfer money with, they are efficient and always easy to rely on. I have used PayPal from a yo... Read more Reviewed on: 18th May 2026
Sofie R's avatar
Sofie R

Latest lowest rating:

1

It’s far too easy to get this money, people need to... It’s far too easy to get this money, people need to realise that this is money that they have to pay back. Please only use this if you are financially... Read more Reviewed on: 18th May 2026
Jack M's avatar
Jack M
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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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (109893)

Amazing service always fast reliable

5
Amazing service always fast reliable Reviewed on: 6th May 2026
Georgia S's avatar
Georgia S

PayPal Credit Review

5
PayPal Credit is a convenient financing option for online shoppers, especially if you already use PayPal regularly. One of its main advantages is the ability to spread the cost of purchases over time, often with promotional offers such as 0% interest for a set period on qualifying purchases. This can be helpful for managing larger expenses without immediate financial strain. The application process is straightforward, and once approved, the credit is instantly available for use through your PayPal account. It integrates seamlessly at checkout on many websites, making it a quick and easy option compared to traditional credit cards. However, there are some downsides to consider. The standard interest rate can be quite high if you don’t pay off your balance within the promotional period. This means it’s important to stay on top of payments and understand the terms before using it. Additionally, PayPal Credit is only usable where PayPal is accepted, so it’s not as flexible as a regular credit card. As with any credit product, it’s important to read the fine print and use it responsibly. Overall, PayPal Credit is a useful tool for short-term financing and online purchases, but it’s best suited for disciplined users who can pay off balances within promotional periods to avoid high interest charges. Reviewed on: 6th May 2026
Konstantinos B's avatar
Konstantinos B

I have never had an issues using paypal and I feel i...

5
I have never had an issues using paypal and I feel its a safe way to pay for products Reviewed on: 6th May 2026
Noor's avatar
Noor

Why You should use PAYPAL

5
Great platform for handling money and online shopping, brings the whole experience together with its user friendly system and supported services! Reviewed on: 6th May 2026
Nathan Smith's avatar
Nathan Smith

PayPal 5 star.

5
Easy to use very friendly and helpful customer service, 5 star service. Reviewed on: 6th May 2026
Simon Richards's avatar
Simon Richards

I love the 4 months 0% interest

5
I love the 4 months 0% interest on purchases over £99. I recently had a large unexpected vet bill and this has allowed me to pay the vet in full and spread the cost with no financial penalty. Reviewed on: 6th May 2026
Nat M's avatar
Nat M

Always great and wonderful service and great protection

5
Always great and wonderful service and great protection Reviewed on: 6th May 2026
Mayur K's avatar
Mayur K

PayPal is the way forward.

5
I’ve been using PayPal and PayPal Credit for a while now, and honestly I’m very happy with both. PayPal itself is incredibly convenient. Payments are quick, I don’t have to keep entering my card details everywhere, and the buyer protection gives me extra peace of mind when shopping from new sites. PayPal Credit has also been a really useful addition. I like being able to spread the cost of bigger purchases, especially with the 0% offers. It’s straightforward to use and integrates seamlessly into checkout, which makes the whole process feel effortless. I’ve found it to be a reliable and helpful tool. Overall, I’d definitely recommend both. Reviewed on: 6th May 2026
Kenny Q's avatar
Kenny Q

Excellent service and very helpful staff

5
Excellent service and very helpful staff Reviewed on: 6th May 2026
John E's avatar
John E

All positive.

5
All positive. Nothing negative to report Reviewed on: 6th May 2026
Booboo's avatar
Booboo

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