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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181153 reviews)

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4.73

Based on 181,153 reviews, last reviewed 21st Sep 2026

62% decrease in 5 star reviews

in the past 90 days

49% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Really good and flexible account Really good and flexible account, easy to manage and view. I like that I can easily manage my transactions and use pay in 3 option that gives me more ... Read more Reviewed on: 21st 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 (181153)

a lot of sellers PayPal accepted

Pros Interest-free offers: Often 0% interest for 4 months on purchases over a certain amount Easy to use: Integrated directly into PayPal at checkout Quick approval: Fast application process Flexible payments: You can pay in instalments or early without penalties Cons High interest rate: If you don’t pay within the promotional period, interest can be quite high Affects credit score: Missed payments can negatively impact your credit Limited use: Only works where PayPal is accepted Temptation to overspend: Easy access to credit can lead to unnecessary purchases Overall Verdict Good for short-term borrowing if you are confident you can repay within the interest-free period Reviewed on: 16th April 2026

Good and very nice fastI like paypay so much everyda...

Good and very nice fastI like paypay so much everyday Nice Reviewed on: 16th April 2026

From online credit to plastic card that you can use...

From online credit to plastic card that you can use on store. Reviewed on: 16th April 2026

I have had no issues using PayPal and would recommend.

I have had no issues using PayPal and would recommend. Reviewed on: 16th April 2026

Mainly good experiences.

Mainly good experiences. Range of financial options, however some are lumped together e.g PayPal credit - 18 month installments/4 months interest free. When making extra payments no choice for which product so this is sometimes allocated incorrectly. S75 consumer credit act refund claim dealt with using PayPal credit even when refund through PayPal buyer protection failed as seller had requested this to be returned to an address not recorded on their PayPal account so well worth using the credit function. Reviewed on: 16th April 2026

Top site

Brilliant payment service, fast, secure and friendly. I have used for 3 years with no problems and effective payments and plans successfully completed. I could not ask for more from the company and the pay in 3 is great way to spread interest free payments. Reviewed on: 16th April 2026

Fast service, easy to use.

Fast service, easy to use. PayPal is very easy to use and helps stagger payments for goods and services. Reviewed on: 16th April 2026

I always have an excellent experience with PayPal.

I always have an excellent experience with PayPal. All issues have been promptly solved. Highly recommended. Reviewed on: 16th April 2026

a little brilliant card

very easy to use ,have had no bad experiences and it is great to be able to view your account at any time. Reviewed on: 16th April 2026

The only time I had a problem they sorted it quickly.

The only time I had a problem they sorted it quickly. It's fast. They tell you if your approved or not for pay in 3. The app is great l. Tells you a lot of information like when things are due, how many payments are left on promotion items. Reviewed on: 16th April 2026

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