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PayPal: PayPal Credit reviews

View other PayPal products
4.74
Based on 127,720 reviews, last reviewed 9th Jun 2026
3542750% increase in 5 star reviews
in the past 90 days
10450% 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

Always recommend using PayPal I feel protected when paying for things and it has all my bank cards in one place to pay, the pay in 3 and the interest free for 4months are fantastic... Read more Reviewed on: 9th June 2026
Emma H's avatar
Emma H

Latest lowest rating:

1

This company does not allow balance transfers This company is brilliant at not allowing you to transfer your balance to a lower interest card. They are also amazing at not highlighting this fact w... Read more Reviewed on: 9th June 2026
Gavin Anyia's avatar
Gavin Anyia
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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 (127720)

Easy and quick to use

4
Not very time consuming, many useful features which includes the pay in 3 method Reviewed on: 11th August 2022
Stefano Guida's avatar
Stefano Guida

High Interest Rates but great experience

5
PayPal Credit is really convenient and easy to use, even if the High Interest Rates stop you from paying it off in a reasonable manner. Reviewed on: 11th August 2022
Joseph Griffiths-Bloor's avatar
Joseph Griffiths-Bloor

Convenient way to spread cost

5
Paypal credit is great for buying household goods such as furniture etc, the introductory interest free periods are very reasonable. This allows you to have all your finance in one place rather than loads of separate credit agreements. The credit limit I have is also quite reasonable. The customer service is also great. Reviewed on: 11th August 2022
Mark Wiseman's avatar
Mark Wiseman

Easy to use and convenient

4
Paypal credit is very easy to use and convenient, and can be used on a fairly wide range of sites. The only downside is that payment transfers from my bank account take a good few days to go through. Reviewed on: 11th August 2022
Abby's avatar
Abby

PayPal credit is my favourite payment method

5
I’ve never had any issues, so easy to use, clear to see what I owe, easy to make repayments. The added extra bonus of interest free over 4 months if over a certain amount is great and really helps alleviate stress in these difficult Financial Times Reviewed on: 11th August 2022
Sophie weston's avatar
Sophie weston

Safe

5
Always sure. Never fails. Trusted by all. Reviewed on: 11th August 2022
Howard Lamb's avatar
Howard Lamb

paypal credit

5
good realiable quick just all what you waiting from Reviewed on: 11th August 2022
Vilem Reznicek's avatar
Vilem Reznicek

Excellent Experience

5
Applying is easy and love I can set up an direct debit so I don't forget future payments Reviewed on: 11th August 2022
roxana stoian's avatar
roxana stoian

very good option

5
I'm very happywith paypal loan helped me a lot Reviewed on: 11th August 2022
jaroslaw jankowski's avatar
jaroslaw jankowski

Best

5
Great experience, easy to use and easy to pay. Reviewed on: 11th August 2022
Alexsander Rodrigues Avila's avatar
Alexsander Rodrigues Avila

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