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PayPal: PayPal Credit reviews

View other PayPal products
4.74
Based on 115,569 reviews, last reviewed 28th May 2026
2985700% increase in 5 star reviews
in the past 90 days
8800% 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

Rainy day winner Always easy transactions with suitable plans that fit my budget Reviewed on: 28th May 2026
Bob's avatar
Bob

Latest lowest rating:

1

Poor service. Avoid. I get fined for missing a payment. Why don't they remind me the day I need to make the payment (or the day before). I have contacted them about this b... Read more Reviewed on: 27th May 2026
Phil W's avatar
Phil W
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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 (115569)

PayPal Credit is pretty good

5
For purchases over a certain amount you get interest free credit for 4 months, which is helpful. Reviewed on: 31st July 2023
Chris Goodhead's avatar
Chris Goodhead

Interest Free

5
This facility is really useful when you want to spread the cost of larger purchases over a relatively short period. The website is easy to use, so consequently it’s easy to stay in control of your finances. This is an excellent facility that I intend to continue using. Reviewed on: 31st July 2023
Graham Hopley's avatar
Graham Hopley

Reliable

5
Reliable. Can pay in 4 installments without interest when purchase above £99. Reviewed on: 31st July 2023
Zsuzsanna Horak's avatar
Zsuzsanna Horak

Easy, Hassle Free and Automatic 4 Months interest free

5
I have been using PayPal credit for a few a couple of years and absolutely love it. It is easy to use and accepted by almost online retailers, comes with automatic 4 months interest free. Brilliant Reviewed on: 31st July 2023
Ola Bello's avatar
Ola Bello

PayPal Credit

5
I don't have a physical PayPal credit card but I do use PayPal Credit online to make purchases right now that I otherwise would have to wait for. That is a real game changer. Reviewed on: 31st July 2023
Jon's avatar
Jon

Life saver whenever my account balance is low

5
So many household items I have today was possible because of PayPal credit, I was able to pay in instalment without interest for 4 months. Thank you PayPal, I will recommend you again and again Reviewed on: 31st July 2023
TY Faj's avatar
TY Faj

Easy Peasy

5
PayPal offered me 0% credit when I bought my garden furniture. Every month they gave me a reminder when my payment was due, so there was no forgetting and falling into debt. Happily paid off, I’ve treated myself to a new serger machine. It’s so painless, Pay Pal takes the responsibility with their easy reminders. Reviewed on: 31st July 2023
Laraine Clarke's avatar
Laraine Clarke

CAN WE TRUST PAYPAL?

1
Attempted to make a £7 magazine payment through PAYPAL. Verification number sent via mobile. Not accepted. Number inserted and reinserted. Still not accepted. New verification number sent. Accepted 2nd try - then bank card not accepted. Queried this with bank and was given PAYPAL's telephone number. What a joke speaking to somebody. They would 'ring me back' - which they did, and our conversation was cut off and the line went dead.. This sort of pantomime is unacceptable. I would not be paid to open an account with PAYPAL. Modern automated technology which you cannot get any sense out of. Reviewed on: 31st July 2023
D GILL's avatar
D GILL

Good credit company

5
Ive got a spend cap limit based on what I can afford and its so easy to use and kept informed regulary about my payments due and credit left Reviewed on: 31st July 2023
Michelle Brookes's avatar
Michelle Brookes

Very greatful

5
I really enjoy the use of paypal credit ot has allowed to do a large purchase and give me time to pay. Has also allowed me to pay in I stallments. I use it all the time a great product. Please move on to holidays airline's etc Reviewed on: 31st July 2023
CT's avatar
CT

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