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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.74 (114382 reviews)

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4.74

Based on 114,382 reviews, last reviewed 26th May 2026

2930550% increase in 5 star reviews

in the past 90 days

8650% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

I’ve had a wonderful experience with PayPal. I’ve had a wonderful experience with PayPal. Services reliable always. Payment process has always been seamless Reviewed on: 26th May 2026

Latest lowest rating:

1

The PayPal points system is a absolute scam! The PayPal points system is a absolute scam! Been a PayPal user for years and have used several different accounts. I have never been rewarded. Reviewed on: 26th 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 (114382)

So convenient

PayPal credit is a big help when doing online shopping, it makes everything so easy and convenient and gives me 4 months interest free on larger purchases. Reviewed on: 8th July 2022

Easy affordable credit

This is a great credit product, four months interest free on purchases over £99 GBP. Also with a surprisingly low APR for a credit product. Reviewed on: 8th July 2022

Brill

Top notch and worth a mention in this sublime category Reviewed on: 8th July 2022

Best Online Credit Company!

I've been a customer of PayPal Credit for years. It's a huge help having to pay my purchases (£99. +) right away then pay it back within 4 months interest free! Reviewed on: 8th July 2022

Perfect

Helped when I was at a loss was looking at losing my home, life everything and it helped! Reviewed on: 8th July 2022

Easy to use and purchases are protected

PayPal credit is a great product - I like being able to pay off payments over £100 over 4 months and the platform is really user friendly. PayPal also enabled me to get my money back when I purchased a product that was damaged in transit and the retailer was non responsive. Reviewed on: 8th July 2022

Never let you down

I’ve got so amazing experience with Amex and I’m surprised always about the benefits and fees Reviewed on: 8th July 2022

Very helpful

Excellent provider and very convenient Reviewed on: 8th July 2022

Great

I needed a sofa in a hurry and on the car journey to the shop I organised the credit. The sofa arrived in a few days and was paid off in a few months. Brilliant! Reviewed on: 8th July 2022

Perfect Service for Big Purchases!

I’ve been a PayPal Credit customer for a few years now- and I absolutely love using all the different offers available for bigger purchases more so than my current Credit Card company. I’ve been able to buy new furniture for the house all in one go- then pay it back in monthly instalments or within 4 months so I am not charged any interest. I’ve mentioned it to friends and to family, and they have also been able to spread the payment easier with PayPal Credit. It’s a really good option to have an I’ll likely be a permanent customer and user of this service in the future. Reviewed on: 8th July 2022

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