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PayPal: PayPal Credit reviews

View other PayPal products
4.74
Based on 119,059 reviews, last reviewed 3rd Jun 2026
3147250% increase in 5 star reviews
in the past 90 days
9300% 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

I love pay in 3 I love the pay in 3 or interest free for 4 month offers and find it a very helpful way to spread the cost of a purchase Reviewed on: 3rd June 2026
Kieran's avatar
Kieran

Latest lowest rating:

1

Poor credit provider Weather you pay on time or no only rich people get more credit Reviewed on: 2nd June 2026
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HN
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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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (119059)

Convenient 0% Offer for 4 months

5
I love using Paypal credit offer of 0% for all of my 99+ purchases because I get 4 months to settle it. Very convenient when buying home appliances and even multiple items I buy in an online site. Reviewed on: 13th June 2022
bedz sibuyo's avatar
bedz sibuyo

Paypal credit

5
I have used PayPal credit a few times and it is easy to use, convenient and a great way to spread out the cost of purchases without having to deal with credit card payments or interest. Reviewed on: 13th June 2022
Inma's avatar
Inma

Easy, affordable and many options available to spend responsibly

5
I have found PayPal credit really useful particularly the pay in 3 which allows me to spread the cost over 3 months affordably and allows me to have the things I want straight away without having to wait. Reviewed on: 13th June 2022
emma's avatar
emma

Easy Peasy

5
Using PayPal is ideal for any purchase, but especially for interest free over a few months. Gives a little breathing space when you're having one of those months and I pay as much or as little as I want when I want. The app is quick and easy to navigate Reviewed on: 13th June 2022
Gill Trott's avatar
Gill Trott

Dave

5
Great company PayPal great credit thank you Reviewed on: 13th June 2022
David's avatar
David

Quick credit

5
Very helpful, very quickly resolve, Reviewed on: 13th June 2022
Dorian's avatar
Dorian

Good credit deal

5
I have always used Paypal Credit as they offer 4 months 0% and sometimes they have other good offers. It suits my financial needs and will continue to use Paypal. It’s also a safe way to purchase and pay for different things, customer service is great and very helpful too. If they had a physical card i’d use them more. I use Paypal for than my debit or credit cards as it’s simples, fast and safe! Reviewed on: 13th June 2022
Rai's avatar
Rai

Fast and reliable

5
Never a problem with paypal.All transactions do and have run smoothly. Reviewed on: 13th June 2022
J. Hemmings's avatar
J. Hemmings

PayPal Credit

5
I really love the fact that I can use PayPal credit at more retailers than before. I use the 4-month 0% interest-free payment, as this works best for me. PayPal credit came through for me when I was planning for my wedding as most of my vendors accepted PayPal payment, making instant and early deposite and payments possible. Reviewed on: 13th June 2022
Godwin's avatar
Godwin

Easy pezzy paypal

5
I have used now for a couple of years and found it alot easier then others, family members are now using . Reviewed on: 13th June 2022
Sam's avatar
Sam

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