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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.74 (115000 reviews)

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4.74

Based on 114,999 reviews, last reviewed 27th May 2026

2959100% increase in 5 star reviews

in the past 90 days

8800% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Brilliant Brilliant service all round from customer service to the end product Reviewed on: 27th May 2026

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

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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 (115000)

Paypal Credit is slick and easy

Paypal Credit gives me a lot of flexibility when buying products online and helps a lot in times close to pay day when I need to buy something but don't have the money. The pay in 3 service is also seriously useful allowing me to split the payment of a more expensive item across three paychecks! Reviewed on: 10th August 2022

Best In Class

The interest free period is so humane and helps us to get by. Having more time to pay back without interest is the best a financial institution can do for consumer Reviewed on: 10th August 2022

PayPal all the way

PayPal credit is simple and convenient, you get 4 months interest free to pay off balance. It has really helped me when it comes to emergencies like washing machine breakdown. Definitely recommend them Reviewed on: 9th August 2022

Credit added to your paypal account

its not a credit card - its your same paypal account that you normally use to purchase stuff online but they've added credit to it and also an interest free period for 4months on anything above £100 which is nice Reviewed on: 9th August 2022

easy to use and deal with

Very easy to use and very good rates on interest Reviewed on: 9th August 2022

Easy

Easy and functional I love it! Reviewed on: 9th August 2022

great company

I have been using this service for 6 months now and it has helped me dramatically. Reviewed on: 9th August 2022

Simple, easy, and cost effective

I use PayPal credit all the time. It is my go-to credit provider. I get the stuff I want but have time to save up to pay either the minimum £5 or more. or pay in 3 once a month. You are sent texts and emails about the money you've spent and can pay by taking a photo of the bar code. The website is so simple to use. Account Information is easy to find and most sellers have the PayPal option now. I highly recommend. Reviewed on: 9th August 2022

0% for 4 months

Having 0% for all transactions over £100 for 4 months has really allowed me to easily split my payments and not worry about hefty interest charges Reviewed on: 9th August 2022

Customer friendly

Customer satisfaction and help in time of need Reviewed on: 9th August 2022

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