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PayPal: PayPal Credit reviews

View other PayPal products
4.74
Based on 129,817 reviews, last reviewed 9th Jun 2026
3638400% 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

PayPal remains one of the most reliable digital paym... PayPal remains one of the most reliable digital payment platforms available. The interface is straightforward, transactions process quickly, and the b... Read more Reviewed on: 9th June 2026
Steve M's avatar
Steve M

Latest lowest rating:

2

Useless customer service and lipservice protection The customer service is well hidden, no understanding of complex issues or services bought in the future but the provider doesn't deal with any issues... Read more Reviewed on: 9th June 2026
Zhivko J's avatar
Zhivko J
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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 (129817)

Amazing interest free

5
I love being able to spread my payments over 4 months for almost anything I can buy online, Reviewed on: 31st July 2023
Neil Caudwell's avatar
Neil Caudwell

Paypal, quick and easy

5
Smooth payment transactions when I want them and flexibility to pay now or later, fabulous. Reviewed on: 31st July 2023
Angela's avatar
Angela

Great product

5
I used PayPal credit to purchase an item, to help spread the cost I couldn't believe how easy and quick it was to set up. Definitely will be using again and again for future purchases. Reviewed on: 31st July 2023
J Creighton 's avatar
J Creighton

Amazing credit option.

5
I stumbled upon PayPal Credit, and it is the best credit option I ever had. Spend over £99 and pay interest free for 4 months. This works perfectly well for me. They send reminders regularly. I always look out for PayPal credit options when I make purchases online. I can't fault it at all. I recommend this, it is better than a credit card in my own opinion. Reviewed on: 31st July 2023
Evelyn S's avatar
Evelyn S

Good service

5
Easy to use and very secure in line Reviewed on: 31st July 2023
Geoffrey Nadin's avatar
Geoffrey Nadin

Pay in 4 months

5
Purchased my new laptop over four months. Interest free ! Can't fault it ! Reviewed on: 31st July 2023
I zonkyou's avatar
I zonkyou

Happy customer

5
Always easy to pay and keep track, the best online platform to review account and so much easier than other providers Reviewed on: 31st July 2023
Genna B's avatar
Genna B

Paypal credit is amazing. You get 0% for 4 months for any purchases made online over £99. The app makes it easy to remember when you have to repay back any of your facilities. It's convenient and easy

5
I have had paypal credit for a little over 4 years now. Application was easy and I have had credit limit increases yearly. The only down side is that you don't have a physical card. Reviewed on: 31st July 2023
Tayamika Kamwanja Zabula's avatar
Tayamika Kamwanja Zabula

4 months interest free option over £99

5
For a company to offer interest free credit over 4 months for purchases over £99 with no join up fee or small print clauses is truly remarkable. It makes those purchases that you may put off affordable. You also feel a high degree of security for purchases from outlets such as E- bay. I 100% recommend PayPal Reviewed on: 31st July 2023
Fred Watts's avatar
Fred Watts

Easy-going 4 months no free Interest

5
Unlike most providers, What I love about Paypal is that you have time to pay your payments for any purchases without having to pay interest within the 4 month mark and I am always paying within that time frame. And if you ever do need any help or anything the support desk is quick to get back to you Reviewed on: 31st July 2023
Sana _'s avatar
Sana _

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