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PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 139,237 reviews, last reviewed 15th Jun 2026
4066650% increase in 5 star reviews
in the past 90 days
11550% 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

high interest rate Really good way of keeping track of money and spending safely. Interest rate is very high though Reviewed on: 15th June 2026
Hayley G's avatar
Hayley G

Latest lowest rating:

2

Buyer protection is a myth Offered no buyer protection or support after I was ripped off by a watch company never followed up on the complaint I made about it. Reviewed on: 15th June 2026
Tom C's avatar
Tom C
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 (139237)

No Problem PayPal

5
Never had a problem with credit or moving money around with PayPal The interest rate is competitive and doesn't clean your bank account out every month with repayments. Reviewed on: 2nd June 2024
Graham McLachlan's avatar
Graham McLachlan

I like the pay in 3 service as I am allowed to sprea...

5
I like the pay in 3 service as I am allowed to spread my credit for a few months. Reviewed on: 2nd June 2024
Jona's avatar
Jona

Pay pal revt

4
I've had issues with using PayPal to make purchases. And getting the three months interest free facility work otherwise I like the service Reviewed on: 2nd June 2024
Allister Cairns's avatar
Allister Cairns

Straightforward service with workable limits and rea...

5
Straightforward service with workable limits and reasonable interest rates. Even better with the new Curve service added on. Made my life a lot easier now I can balance my spending. Would definitely recommend their credit services. Reviewed on: 2nd June 2024
Amanda Webster's avatar
Amanda Webster

Great way to build credit score

5
I’ve used the PayPal credit as a way to help build my credit score. If you spend over £99 you can benefit from 4 months interest free credit. I put any online payments over £99 on it and just ensured it’s paid off before the 4 months is up. Much lower interest rate than other credit accounts. Reviewed on: 2nd June 2024
Luce's avatar
Luce

Efficient and practical.

5
Efficient and practical. Great app. Useful to be able to utilise 4 months 0% credit Reviewed on: 2nd June 2024
Justin B's avatar
Justin B

A convenient way to spread the cost of a purchase.

5
A convenient way to spread the cost of a purchase. Accepted by a vast amount of retailers so makes a purchase easier. Easy to log in to your account, see your balance, & pay it off, pay it off in installments, or wait. Reviewed on: 2nd June 2024
Stef's avatar
Stef

By far rhe best credit.

5
Easy to use and amazing rates, hard to find anything wrong with this product. Reviewed on: 2nd June 2024
Marius D's avatar
Marius D

There when you need a bit extra, help spread the cost.

5
There when you need a bit extra, help spread the cost. Or take the free interest option over a few months. I'm recommend this service to all my friends. Reviewed on: 2nd June 2024
Paul H's avatar
Paul H

There when I needed it!

5
There when I needed it! And a good option altogether! Reviewed on: 2nd June 2024
Bashar L's avatar
Bashar L

Review PayPal: PayPal Credit now

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