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PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 139,807 reviews, last reviewed 15th Jun 2026
4092450% increase in 5 star reviews
in the past 90 days
11600% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Well very good experience I have with paypal Well very good experience I have with paypal Reviewed on: 15th June 2026
Naeem Z's avatar
Naeem Z

Latest lowest rating:

1

Fraud on my card, advisor useless. Fraud on my card, advisor useless. Had a load of just eat payments taken I did not make and they’ve said they believe I have. Don’t waste your time wi... Read more Reviewed on: 15th June 2026
Pete's avatar
Pete
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 (139807)

In PayPal you have option to pay in instalment basis...

4
In PayPal you have option to pay in instalment basis it is good they understand how hard now a days because of inflation ..it is very convenient you can use PayPal in booking holidays and flight without breaking your bank as PayPal give you so much option based on your financial situation. Reviewed on: 7th June 2024
Chanda C's avatar
Chanda C

I like that I can pay with PayPal credit over lots o...

5
I like that I can pay with PayPal credit over lots of different websites and it gives me a little longer to pay for purchases Reviewed on: 7th June 2024
Rhiannon m's avatar
Rhiannon m

Fantastic customer support

5
They’re incredibly helpful in resolving issues in a timely manner. Their live chat feature is so helpful, most companies don’t offer this level of customer service and it put me at ease knowing I was able to talk to someone quickly. Reviewed on: 7th June 2024
Caitbell's avatar
Caitbell

Paypal Credit - It's a GAME CHANGER!

5
Personally I'm always preaching about Paypal credit to friends and family, and I use it all the time. Simply because you have 4 months to pay it and you don't have to pay any interest if you pay it all off in time. 4 months is completely reasonable and I manage my family's finances months in advance so we always know we can budget to pay it off as we go. I've been with Paypal credit for many years now and I've never had an issue with them. If ever in doubt you can call them up and talk to an advisor or chat through messages on your PayPal app which is really handy. I just don't think any other credit card or loans provider will compare to Paypal credit, I refuse to take any loan with an APR I only ever accept interest free. I also currently am allowed up to £1,500 maybe more which is really great for if I ever needed to borrow more in an emergency situation and if you're worried about self control or spending you can select a cap so that it doesn't increase the amount you can borrow without your permission. But personally I'm confident in monitoring and keeping track of payments and amounts owed. My only room for improvement to Paypal is I wish they covered more website etc. they're already on more websites now but this would be great especially near christmas for amazon, grocery shopping like asda or tesco (although Iceland do accept paypal) or if they had a physical card to take out an about for an emergency taxi trip to a hospital or going to the vets and needing to pay a large sum that is out of your current budget etc. Only ideas of course but if they could do this and keep it as 4 months 0interest then I think that would be amazing and knock all other credit cards/loans out of the way for competition. Oh and lastly I like that with paypal credit If I can't pay now or the first month or two I can pay a lump sum towards the end if something else pops up, so it's any time and any amount during that 4 month time frame unlike other monthly payment lenders with 0 interest that need payment up front and split across the months as the minimum payment, often not needed but gives peace of mind if one month is tougher than the rest x Reviewed on: 7th June 2024
Aimee B's avatar
Aimee B

Ease of use great app

5
Ease of use great app to keep track of finance, easy to understand options with types of credit on offer Reviewed on: 7th June 2024
Pgken9's avatar
Pgken9

Good customer service

5
Good customer service who reply quickly. Bot had any problems using this service Reviewed on: 7th June 2024
Shev's avatar
Shev

PayPal is a lifesaver...

5
PayPal is a lifesaver at certain times in the month. Reviewed on: 7th June 2024
Anksar's avatar
Anksar

Great for overtime purchases

5
The fact that you can make purchases and pay overtime Reviewed on: 7th June 2024
Sarao C's avatar
Sarao C

Very good service.

5
Very good service.I strongly recommend it Reviewed on: 7th June 2024
Martin S's avatar
Martin S

Alwqys very helpful if I have a problem

5
Alwqys very helpful if I have a problem Reviewed on: 7th June 2024
Anne M's avatar
Anne M

Review PayPal: PayPal Credit now

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