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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181147 reviews)

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4.73

Based on 181,147 reviews, last reviewed 11th Sep 2026

50% decrease in 5 star reviews

in the past 90 days

32% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great credit option. Very straightforward procedure, various repayment options, very easy to use at checkout. Reminders sent promptly and payment straight forward Reviewed on: 11th 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 (181147)

Seamless Shopping with Built-in Flexibility

I’ve been using PayPal Credit for a while now, and it has genuinely changed how I manage larger online purchases. The standout feature is definitely the 0% interest for 4 months on every spend over £99 (or $99, depending on your region). It’s incredibly convenient for spreading out the cost of electronics or home essentials without the pressure of immediate payment. Reviewed on: 17th April 2026

Excellent service Paypal review

Excellent service and would highly recommend Reviewed on: 17th April 2026

Super smashing great excellent the best

Super smashing great excellent the best Reviewed on: 17th April 2026

Safe and secure

Use paypal on lots of occasion no problem Reviewed on: 17th April 2026

I have hardly used your customer service so can't pr...

I have hardly used your customer service so can't provide much. It's been easy to use PayPal for payments and so far my experience is seamless. Reviewed on: 17th April 2026

PayPal Credit

PayPal Credit allows flexibility Reviewed on: 17th April 2026

Simple to use.

Simple to use and a great way to spread the cost of your online shopping. Reviewed on: 17th April 2026

Always easy transactions trustworthy reliable

Always easy transactions trustworthy reliable Reviewed on: 17th April 2026

Scammed 3 times by the same scammer

Got scammed three times in three transactions from the same seller. PayPal would only refund one. Leaving me £200 out of pocket even though it’s clear it’s the same seller and scam Reviewed on: 17th April 2026

No problem easy use okay keep up with payment.

No problem easy use okay keep up with payment. Reviewed on: 17th April 2026

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