Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (110134 reviews)

View other PayPal products

4.90

Based on 110,134 reviews, last reviewed 18th May 2026

2734000% increase in 5 star reviews

in the past 90 days

8050% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

PayPal is a great way to make your life easier. PayPal is a great way to make purchases, spread the costs into smaller installments, and is easy to use on a daily basis. Reviewed on: 18th May 2026

Latest lowest rating:

1

Taking credit limits off of people pushing their acc... Taking credit limits off of people pushing their accounts into debt is disgraceful Reviewed on: 18th May 2026

Read all reviews Write a review

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

Help others make smarter decisions by sharing your own experience.

Write a review

PayPal PayPal Credit reviews (110134)

12 months no interest

Great having 12 months free interest on big items Reviewed on: 13th June 2022

Availability

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

Very convenient for spreading payments

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

Excellent service

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

Credit you can trust

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

Brilliant credit provider

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

A great offer to help with large purchases

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

Affordable

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

Paypal credit just works!

I've been using Paypal credit for some time now and quite like it. Of course there is room for improvement but it just works and it is always there and available when you need it. Reviewed on: 13th June 2022

Great customer service

I have been using PayPal credit for many years, I've never paid any interest and whenever I've called for advice I've received clear and helpful answers . Reviewed on: 13th June 2022

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.

Write a review

Alternative products

Retail Finance
from Close Brothers 2.53 from 12 reviews
Retail Finance
from Omni Capital Retail Finance 3.80 from 4 reviews
Very Account
from Shop Direct 4.31 from 27 reviews

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub

PayPal: PayPal Credit reviews

2734000% increase in 5 star reviews

8050% increase in 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

Review PayPal: PayPal Credit now

PayPal PayPal Credit reviews (110134)

12 months no interest

Availability

Very convenient for spreading payments

Excellent service

Credit you can trust

Brilliant credit provider

A great offer to help with large purchases

Affordable

Paypal credit just works!

Great customer service

Review PayPal: PayPal Credit now

Join Smart Money People

News, guides and insight from our team

UK money news stories - 24 July 2024

Your Money, Your Voice: Have your say

Our latest research - customers see little impact of FCA's Consumer Duty one year on

Consumer credit awards winners 2024