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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181143 reviews)

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4.73

Based on 181,143 reviews, last reviewed 4th Sep 2026

16% decrease in 5 star reviews

in the past 90 days

7% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

It’s been miraculous. It’s been miraculous. Just what I needed. Reviewed on: 4th September 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 (181143)

Helpful to get car back on the road in emergency

Was very important when needed to get my car back on the road asap by buying parts online. Gave me more time to pay back. One example 0% interest on first purchase was a new wheel. Reviewed on: 18th April 2026

Convenient for Short-Term credit use

PayPal Credit is convenient, but it comes with some important trade-offs. On the positive side, it’s very easy to use. Since it’s built into your PayPal account, you can select it at checkout and spread the cost of purchases without needing a separate credit card. The biggest benefit is the 0% interest for 4 months on purchases over £99, which resets on each qualifying purchase—this can be helpful for short-term budgeting. Overall, PayPal Credit works well if you’re organised and pay off balances within the interest-free period. But if you miss payments or carry a balance, it can become expensive quickly. It’s best used carefully, more like a short-term borrowing tool rather than long-term credit. Reviewed on: 18th April 2026

Good service I like credit and pay in 3 instalments

Good service I like credit and pay in 3 instalments Reviewed on: 18th April 2026

Got my credit card with no hustles and the physical...

Got my credit card with no hustles and the physical card few days later, timeous , excellent Reviewed on: 18th April 2026

The ability to extend payment periods

The ability to extend payment periods & vary the repayment amount gives me the flexability I need Reviewed on: 18th April 2026

Paypal..

Nothing bad after all the years I have been with them So all is good always sorted issues and we'll worth giving them a try Reviewed on: 18th April 2026

Easy and fast to use.

Easy and fast to use. Highly recommended. I needed to pay for unexpected car parts and I was able to spread the cost using PayPal credit. Reviewed on: 18th April 2026

I love my PayPal it helps me out buying things and p...

I love my PayPal it helps me out buying things and pay later it also covers you for any unwanted activity on your account Reviewed on: 18th April 2026

Dependable and trustworthy, worked out for me for ye...

Dependable and trustworthy, worked out for me for years now. Reviewed on: 18th April 2026

Really easy to get credit and help with a few purcha...

Really easy to get credit and help with a few purchases I needed. Reviewed on: 18th April 2026

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