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PayPal: PayPal Credit reviews

View other PayPal products
4.74
Based on 115,349 reviews, last reviewed 27th May 2026
2975550% 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

Paying through PayPal never let's me down Paying through PayPal never let's me down Reviewed on: 27th May 2026
gareth t's avatar
gareth t

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
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

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PayPal PayPal Credit reviews (115349)

0% interest for 4 months

5
The 0% interest for 4 months offer is a very helpful resource. This has helped me in my payment plans Reviewed on: 2nd June 2023
Taiwo Oshiga's avatar
Taiwo Oshiga

Peace of mind

5
Knowing I have time to make my payment gives me a sense of peace Reviewed on: 2nd June 2023
Adele Watiez 's avatar
Adele Watiez

So easy to use!

5
Really easy to use. Shopping online is a breeze Reviewed on: 2nd June 2023
Kiki5's avatar
Kiki5

first credit account/credit payment method

4
As my owe first credit account/ credit payment method, PayPal allows me to own this credit account to have longer time to pay for seasonal purchase. I give 4 stars is because I wish to have a virtual card so I could really use it for daily purchase to increase my credit score. Reviewed on: 31st May 2023
Licentia MssLige's avatar
Licentia MssLige

Great credit limit and customer service is super!

5
Great credit limit and customer service is super! Reviewed on: 10th April 2023
J's avatar
J

Very good

5
I like it because I was granted this financing of up to 1000 pounds and you can buy anything. The best obtainment Reviewed on: 3rd April 2023
Nistor Adriana's avatar
Nistor Adriana

[email protected]

5
Credit information main money Reviewed on: 3rd April 2023
Paulina Gacka's avatar
Paulina Gacka

Good.....

4
Nežinau kaip cia viskas veikia. Reviewed on: 20th March 2023
Tomas Gineikis's avatar
Tomas Gineikis

Useful credit to have but be careful

4
I never pay interest on credit cards, always pay in full and with PayPal it's nice to spread your purchase a bit without paying. However about a year ago because of PayPal's own timelines on moving money I had to pay very little interest (1 pound), I called them about it and they said it's due to how the money is being charged but not because I didn't pay on time. Seemed a bit arbitrary. So basically be careful and read the terms and conditions. Being fair to them the team did explain it to me very patiently a couple of times. But I stopped using PayPal credit after that. Reviewed on: 10th March 2023
Sophia's avatar
Sophia

Fake 5* Reviews Are So Obvious

1
All these 5* reviews on here are so obviously fake and are put up by people who have never touched a PayPal card. Ignore those fake reviews and search for the true customer stories. Don't you just hate crooked companies who behave in this way? Reviewed on: 30th January 2023
john's avatar
john

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